LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,470
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$68,538
−HK$2,100/mo
Today · 4.125%
HK$70,638
baseline
▲ 0.50% · 4.625%
HK$74,936
+HK$4,298/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,276/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,947
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,930
−HK$2,012/mo
Today · 4.125%
HK$77,942
baseline
▲ 0.50% · 4.625%
HK$82,051
+HK$4,109/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,884/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,764
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,245
−HK$2,521/mo
Today · 4.125%
HK$84,766
baseline
▲ 0.50% · 4.625%
HK$89,924
+HK$5,158/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,532/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,737
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,116
−HK$2,415/mo
Today · 4.125%
HK$93,531
baseline
▲ 0.50% · 4.625%
HK$98,461
+HK$4,930/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,062/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,058
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,953
−HK$2,940/mo
Today · 4.125%
HK$98,893
baseline
▲ 0.50% · 4.625%
HK$104,911
+HK$6,018/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,786/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,526
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,302
−HK$2,817/mo
Today · 4.125%
HK$109,119
baseline
▲ 0.50% · 4.625%
HK$114,871
+HK$5,752/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,238/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,646
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,368
−HK$3,781/mo
Today · 4.125%
HK$127,149
baseline
▲ 0.50% · 4.625%
HK$134,885
+HK$7,736/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,298/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,105
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,675
−HK$3,621/mo
Today · 4.125%
HK$140,296
baseline
▲ 0.50% · 4.625%
HK$147,691
+HK$7,395/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,592/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,884 · Scale 2, in force from 26 Feb 2026)