LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,447
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,514
−HK$2,100/mo
Today · 4.125%
HK$70,614
baseline
▲ 0.50% · 4.625%
HK$74,910
+HK$4,296/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,228/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,922
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$75,904
−HK$2,011/mo
Today · 4.125%
HK$77,915
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,830/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,736
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,217
−HK$2,519/mo
Today · 4.125%
HK$84,736
baseline
▲ 0.50% · 4.625%
HK$89,893
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,472/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,706
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,085
−HK$2,413/mo
Today · 4.125%
HK$93,498
baseline
▲ 0.50% · 4.625%
HK$98,427
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$186,996/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,026
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,919
−HK$2,940/mo
Today · 4.125%
HK$98,859
baseline
▲ 0.50% · 4.625%
HK$104,875
+HK$6,016/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,718/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,490
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,266
−HK$2,815/mo
Today · 4.125%
HK$109,081
baseline
▲ 0.50% · 4.625%
HK$114,831
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,162/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,604
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$123,325
−HK$3,780/mo
Today · 4.125%
HK$127,105
baseline
▲ 0.50% · 4.625%
HK$134,839
+HK$7,734/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,210/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,059
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,627
−HK$3,621/mo
Today · 4.125%
HK$140,248
baseline
▲ 0.50% · 4.625%
HK$147,640
+HK$7,392/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,496/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,455 · Scale 2, in force from 26 Feb 2026)