LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,446
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$2,099/mo
Today · 4.125%
HK$70,612
baseline
▲ 0.50% · 4.625%
HK$74,909
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,224/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,920
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,011/mo
Today · 4.125%
HK$77,914
baseline
▲ 0.50% · 4.625%
HK$82,021
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,828/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,735
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,520/mo
Today · 4.125%
HK$84,735
baseline
▲ 0.50% · 4.625%
HK$89,891
+HK$5,156/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,470/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,704
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,083
−HK$2,414/mo
Today · 4.125%
HK$93,497
baseline
▲ 0.50% · 4.625%
HK$98,425
+HK$4,928/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$186,994/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,024
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,918
−HK$2,939/mo
Today · 4.125%
HK$98,857
baseline
▲ 0.50% · 4.625%
HK$104,873
+HK$6,016/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,714/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,488
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,264
−HK$2,815/mo
Today · 4.125%
HK$109,079
baseline
▲ 0.50% · 4.625%
HK$114,829
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,158/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,602
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,323
−HK$3,779/mo
Today · 4.125%
HK$127,102
baseline
▲ 0.50% · 4.625%
HK$134,836
+HK$7,734/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,204/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,056
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,625
−HK$3,620/mo
Today · 4.125%
HK$140,245
baseline
▲ 0.50% · 4.625%
HK$147,637
+HK$7,392/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,490/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,433 · Scale 2, in force from 26 Feb 2026)