LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,567
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,638
−HK$2,103/mo
Today · 4.125%
HK$70,741
baseline
▲ 0.50% · 4.625%
HK$75,046
+HK$4,305/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,482/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,055
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,041
−HK$2,015/mo
Today · 4.125%
HK$78,056
baseline
▲ 0.50% · 4.625%
HK$82,171
+HK$4,115/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,112/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,880
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,365
−HK$2,525/mo
Today · 4.125%
HK$84,890
baseline
▲ 0.50% · 4.625%
HK$90,055
+HK$5,165/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,780/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,866
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,250
−HK$2,417/mo
Today · 4.125%
HK$93,667
baseline
▲ 0.50% · 4.625%
HK$98,605
+HK$4,938/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,334/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,194
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,093
−HK$2,945/mo
Today · 4.125%
HK$99,038
baseline
▲ 0.50% · 4.625%
HK$105,064
+HK$6,026/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,076/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,677
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,458
−HK$2,821/mo
Today · 4.125%
HK$109,279
baseline
▲ 0.50% · 4.625%
HK$115,039
+HK$5,760/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,558/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,821
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$123,548
−HK$3,787/mo
Today · 4.125%
HK$127,335
baseline
▲ 0.50% · 4.625%
HK$135,083
+HK$7,748/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,670/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,299
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,874
−HK$3,627/mo
Today · 4.125%
HK$140,501
baseline
▲ 0.50% · 4.625%
HK$147,907
+HK$7,406/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$281,002/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,694 · Scale 2, in force from 26 Feb 2026)