LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,418
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,484
−HK$2,099/mo
Today · 4.125%
HK$70,583
baseline
▲ 0.50% · 4.625%
HK$74,877
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,166/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,889
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,871
−HK$2,010/mo
Today · 4.125%
HK$77,881
baseline
▲ 0.50% · 4.625%
HK$81,986
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,762/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,701
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,180
−HK$2,519/mo
Today · 4.125%
HK$84,699
baseline
▲ 0.50% · 4.625%
HK$89,853
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,398/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,667
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,045
−HK$2,412/mo
Today · 4.125%
HK$93,457
baseline
▲ 0.50% · 4.625%
HK$98,383
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,914/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,985
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,877
−HK$2,939/mo
Today · 4.125%
HK$98,816
baseline
▲ 0.50% · 4.625%
HK$104,828
+HK$6,012/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,632/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,445
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,219
−HK$2,814/mo
Today · 4.125%
HK$109,033
baseline
▲ 0.50% · 4.625%
HK$114,781
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,066/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,552
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,270
−HK$3,779/mo
Today · 4.125%
HK$127,049
baseline
▲ 0.50% · 4.625%
HK$134,779
+HK$7,730/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,098/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,000
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,567
−HK$3,619/mo
Today · 4.125%
HK$140,186
baseline
▲ 0.50% · 4.625%
HK$147,575
+HK$7,389/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,372/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,909 · Scale 2, in force from 26 Feb 2026)