LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,423
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,489
−HK$2,099/mo
Today · 4.125%
HK$70,588
baseline
▲ 0.50% · 4.625%
HK$74,883
+HK$4,295/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,176/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,895
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,877
−HK$2,010/mo
Today · 4.125%
HK$77,887
baseline
▲ 0.50% · 4.625%
HK$81,993
+HK$4,106/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,774/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,708
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,187
−HK$2,519/mo
Today · 4.125%
HK$84,706
baseline
▲ 0.50% · 4.625%
HK$89,860
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,412/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,674
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,052
−HK$2,413/mo
Today · 4.125%
HK$93,465
baseline
▲ 0.50% · 4.625%
HK$98,391
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,930/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,992
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,885
−HK$2,939/mo
Today · 4.125%
HK$98,824
baseline
▲ 0.50% · 4.625%
HK$104,837
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,648/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,453
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,227
−HK$2,815/mo
Today · 4.125%
HK$109,042
baseline
▲ 0.50% · 4.625%
HK$114,790
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,084/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,561
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$123,280
−HK$3,779/mo
Today · 4.125%
HK$127,059
baseline
▲ 0.50% · 4.625%
HK$134,790
+HK$7,731/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,118/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,011
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,578
−HK$3,619/mo
Today · 4.125%
HK$140,197
baseline
▲ 0.50% · 4.625%
HK$147,587
+HK$7,390/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,394/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,009 · Scale 2, in force from 26 Feb 2026)