LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,455
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$2,100/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,920
+HK$4,298/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,931
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,012/mo
Today · 4.125%
HK$77,925
baseline
▲ 0.50% · 4.625%
HK$82,032
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,850/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,746
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,227
−HK$2,520/mo
Today · 4.125%
HK$84,747
baseline
▲ 0.50% · 4.625%
HK$89,904
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,494/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,717
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,096
−HK$2,414/mo
Today · 4.125%
HK$93,510
baseline
▲ 0.50% · 4.625%
HK$98,439
+HK$4,929/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,020/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,037
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,931
−HK$2,940/mo
Today · 4.125%
HK$98,871
baseline
▲ 0.50% · 4.625%
HK$104,888
+HK$6,017/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,742/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,503
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,279
−HK$2,816/mo
Today · 4.125%
HK$109,095
baseline
▲ 0.50% · 4.625%
HK$114,845
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,190/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,619
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$123,340
−HK$3,780/mo
Today · 4.125%
HK$127,120
baseline
▲ 0.50% · 4.625%
HK$134,855
+HK$7,735/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,240/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,075
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$136,644
−HK$3,621/mo
Today · 4.125%
HK$140,265
baseline
▲ 0.50% · 4.625%
HK$147,658
+HK$7,393/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,530/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,609 · Scale 2, in force from 26 Feb 2026)