LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,478
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,546
−HK$2,101/mo
Today · 4.125%
HK$70,647
baseline
▲ 0.50% · 4.625%
HK$74,946
+HK$4,299/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$141,294/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,956
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,940
−HK$2,012/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,061
+HK$4,109/mo
Deposit HK$14.58M · loan HK$14.58M · min. income ≈ HK$155,904/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,774
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,255
−HK$2,521/mo
Today · 4.125%
HK$84,776
baseline
▲ 0.50% · 4.625%
HK$89,935
+HK$5,159/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$169,552/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,748
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,128
−HK$2,414/mo
Today · 4.125%
HK$93,542
baseline
▲ 0.50% · 4.625%
HK$98,473
+HK$4,931/mo
Deposit HK$11.66M · loan HK$17.49M · min. income ≈ HK$187,084/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,069
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,964
−HK$2,942/mo
Today · 4.125%
HK$98,906
baseline
▲ 0.50% · 4.625%
HK$104,924
+HK$6,018/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$197,812/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,539
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,316
−HK$2,817/mo
Today · 4.125%
HK$109,133
baseline
▲ 0.50% · 4.625%
HK$114,885
+HK$5,752/mo
Deposit HK$8.75M · loan HK$20.41M · min. income ≈ HK$218,266/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,661
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,383
−HK$3,781/mo
Today · 4.125%
HK$127,164
baseline
▲ 0.50% · 4.625%
HK$134,902
+HK$7,738/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$254,328/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,121
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,692
−HK$3,621/mo
Today · 4.125%
HK$140,313
baseline
▲ 0.50% · 4.625%
HK$147,710
+HK$7,397/mo
Deposit HK$2.92M · loan HK$26.24M · min. income ≈ HK$280,626/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,239,037 · Scale 2, in force from 26 Feb 2026)