LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,466
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,533
−HK$2,101/mo
Today · 4.125%
HK$70,634
baseline
▲ 0.50% · 4.625%
HK$74,932
+HK$4,298/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,268/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,943
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,926
−HK$2,011/mo
Today · 4.125%
HK$77,937
baseline
▲ 0.50% · 4.625%
HK$82,046
+HK$4,109/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,874/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,759
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,240
−HK$2,521/mo
Today · 4.125%
HK$84,761
baseline
▲ 0.50% · 4.625%
HK$89,918
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,522/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,731
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,111
−HK$2,414/mo
Today · 4.125%
HK$93,525
baseline
▲ 0.50% · 4.625%
HK$98,455
+HK$4,930/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,050/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,052
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,947
−HK$2,940/mo
Today · 4.125%
HK$98,887
baseline
▲ 0.50% · 4.625%
HK$104,904
+HK$6,017/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,774/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,520
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,296
−HK$2,816/mo
Today · 4.125%
HK$109,112
baseline
▲ 0.50% · 4.625%
HK$114,864
+HK$5,752/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,224/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,638
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,360
−HK$3,781/mo
Today · 4.125%
HK$127,141
baseline
▲ 0.50% · 4.625%
HK$134,877
+HK$7,736/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,282/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,097
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$136,666
−HK$3,621/mo
Today · 4.125%
HK$140,287
baseline
▲ 0.50% · 4.625%
HK$147,682
+HK$7,395/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,574/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,807 · Scale 2, in force from 26 Feb 2026)