LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,431
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,498
−HK$2,099/mo
Today · 4.125%
HK$70,597
baseline
▲ 0.50% · 4.625%
HK$74,893
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,194/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,904
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,886
−HK$2,011/mo
Today · 4.125%
HK$77,897
baseline
▲ 0.50% · 4.625%
HK$82,003
+HK$4,106/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,794/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,717
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,197
−HK$2,519/mo
Today · 4.125%
HK$84,716
baseline
▲ 0.50% · 4.625%
HK$89,871
+HK$5,155/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,432/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,685
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,063
−HK$2,413/mo
Today · 4.125%
HK$93,476
baseline
▲ 0.50% · 4.625%
HK$98,403
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,952/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,004
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$95,897
−HK$2,939/mo
Today · 4.125%
HK$98,836
baseline
▲ 0.50% · 4.625%
HK$104,850
+HK$6,014/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,672/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,466
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$106,241
−HK$2,815/mo
Today · 4.125%
HK$109,056
baseline
▲ 0.50% · 4.625%
HK$114,804
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,112/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,576
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,296
−HK$3,779/mo
Today · 4.125%
HK$127,075
baseline
▲ 0.50% · 4.625%
HK$134,807
+HK$7,732/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,150/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,027
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,595
−HK$3,619/mo
Today · 4.125%
HK$140,214
baseline
▲ 0.50% · 4.625%
HK$147,605
+HK$7,391/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,428/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,162 · Scale 2, in force from 26 Feb 2026)