LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,421
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,487
−HK$2,099/mo
Today · 4.125%
HK$70,586
baseline
▲ 0.50% · 4.625%
HK$74,881
+HK$4,295/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,172/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,892
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,874
−HK$2,010/mo
Today · 4.125%
HK$77,884
baseline
▲ 0.50% · 4.625%
HK$81,990
+HK$4,106/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,768/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,705
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,184
−HK$2,519/mo
Today · 4.125%
HK$84,703
baseline
▲ 0.50% · 4.625%
HK$89,857
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,406/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,671
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,049
−HK$2,412/mo
Today · 4.125%
HK$93,461
baseline
▲ 0.50% · 4.625%
HK$98,388
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,922/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,989
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,881
−HK$2,939/mo
Today · 4.125%
HK$98,820
baseline
▲ 0.50% · 4.625%
HK$104,833
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,640/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,449
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,223
−HK$2,815/mo
Today · 4.125%
HK$109,038
baseline
▲ 0.50% · 4.625%
HK$114,786
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,076/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,557
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,276
−HK$3,778/mo
Today · 4.125%
HK$127,054
baseline
▲ 0.50% · 4.625%
HK$134,785
+HK$7,731/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,108/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,006
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,573
−HK$3,619/mo
Today · 4.125%
HK$140,192
baseline
▲ 0.50% · 4.625%
HK$147,581
+HK$7,389/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,384/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,963 · Scale 2, in force from 26 Feb 2026)