LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,520
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,589
−HK$2,102/mo
Today · 4.125%
HK$70,691
baseline
▲ 0.50% · 4.625%
HK$74,993
+HK$4,302/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,382/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,003
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,988
−HK$2,013/mo
Today · 4.125%
HK$78,001
baseline
▲ 0.50% · 4.625%
HK$82,113
+HK$4,112/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,002/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,824
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,307
−HK$2,523/mo
Today · 4.125%
HK$84,830
baseline
▲ 0.50% · 4.625%
HK$89,991
+HK$5,161/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$169,660/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,803
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,185
−HK$2,416/mo
Today · 4.125%
HK$93,601
baseline
▲ 0.50% · 4.625%
HK$98,535
+HK$4,934/mo
Deposit HK$11.67M · loan HK$17.50M · min. income ≈ HK$187,202/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,128
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,025
−HK$2,943/mo
Today · 4.125%
HK$98,968
baseline
▲ 0.50% · 4.625%
HK$104,990
+HK$6,022/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$197,936/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,604
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$2,818/mo
Today · 4.125%
HK$109,201
baseline
▲ 0.50% · 4.625%
HK$114,958
+HK$5,757/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$218,402/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,736
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,461
−HK$3,784/mo
Today · 4.125%
HK$127,245
baseline
▲ 0.50% · 4.625%
HK$134,987
+HK$7,742/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$254,490/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,205
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,778
−HK$3,624/mo
Today · 4.125%
HK$140,402
baseline
▲ 0.50% · 4.625%
HK$147,803
+HK$7,401/mo
Deposit HK$2.92M · loan HK$26.25M · min. income ≈ HK$280,804/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,818 · Scale 2, in force from 26 Feb 2026)