LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,424
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,490
−HK$2,099/mo
Today · 4.125%
HK$70,589
baseline
▲ 0.50% · 4.625%
HK$74,884
+HK$4,295/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,178/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,896
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,877
−HK$2,011/mo
Today · 4.125%
HK$77,888
baseline
▲ 0.50% · 4.625%
HK$81,994
+HK$4,106/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,776/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,708
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,188
−HK$2,519/mo
Today · 4.125%
HK$84,707
baseline
▲ 0.50% · 4.625%
HK$89,861
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,414/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,675
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,053
−HK$2,413/mo
Today · 4.125%
HK$93,466
baseline
▲ 0.50% · 4.625%
HK$98,392
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,932/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,993
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,886
−HK$2,939/mo
Today · 4.125%
HK$98,825
baseline
▲ 0.50% · 4.625%
HK$104,838
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,650/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,454
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,228
−HK$2,815/mo
Today · 4.125%
HK$109,043
baseline
▲ 0.50% · 4.625%
HK$114,791
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,086/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,563
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,282
−HK$3,778/mo
Today · 4.125%
HK$127,060
baseline
▲ 0.50% · 4.625%
HK$134,791
+HK$7,731/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,120/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,012
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,579
−HK$3,619/mo
Today · 4.125%
HK$140,198
baseline
▲ 0.50% · 4.625%
HK$147,588
+HK$7,390/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,396/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,021 · Scale 2, in force from 26 Feb 2026)