LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,413
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,479
−HK$2,099/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,884
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,011/mo
Today · 4.125%
HK$77,876
baseline
▲ 0.50% · 4.625%
HK$81,981
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,752/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,696
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,175
−HK$2,518/mo
Today · 4.125%
HK$84,693
baseline
▲ 0.50% · 4.625%
HK$89,847
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,386/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,661
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,039
−HK$2,412/mo
Today · 4.125%
HK$93,451
baseline
▲ 0.50% · 4.625%
HK$98,377
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,902/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,978
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,870
−HK$2,939/mo
Today · 4.125%
HK$98,809
baseline
▲ 0.50% · 4.625%
HK$104,821
+HK$6,012/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,618/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,437
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,212
−HK$2,814/mo
Today · 4.125%
HK$109,026
baseline
▲ 0.50% · 4.625%
HK$114,773
+HK$5,747/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,052/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,544
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,262
−HK$3,778/mo
Today · 4.125%
HK$127,040
baseline
▲ 0.50% · 4.625%
HK$134,770
+HK$7,730/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,080/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,991
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,558
−HK$3,618/mo
Today · 4.125%
HK$140,176
baseline
▲ 0.50% · 4.625%
HK$147,565
+HK$7,389/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,352/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,825 · Scale 2, in force from 26 Feb 2026)