LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,576
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,647
−HK$2,104/mo
Today · 4.125%
HK$70,751
baseline
▲ 0.50% · 4.625%
HK$75,056
+HK$4,305/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,502/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,065
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,052
−HK$2,015/mo
Today · 4.125%
HK$78,067
baseline
▲ 0.50% · 4.625%
HK$82,182
+HK$4,115/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,134/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,891
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,377
−HK$2,524/mo
Today · 4.125%
HK$84,901
baseline
▲ 0.50% · 4.625%
HK$90,067
+HK$5,166/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,802/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,878
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,262
−HK$2,418/mo
Today · 4.125%
HK$93,680
baseline
▲ 0.50% · 4.625%
HK$98,618
+HK$4,938/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,360/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,207
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,106
−HK$2,946/mo
Today · 4.125%
HK$99,052
baseline
▲ 0.50% · 4.625%
HK$105,079
+HK$6,027/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,104/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,692
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,472
−HK$2,822/mo
Today · 4.125%
HK$109,294
baseline
▲ 0.50% · 4.625%
HK$115,055
+HK$5,761/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,588/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,837
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$123,565
−HK$3,787/mo
Today · 4.125%
HK$127,352
baseline
▲ 0.50% · 4.625%
HK$135,101
+HK$7,749/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,704/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,318
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$136,893
−HK$3,627/mo
Today · 4.125%
HK$140,520
baseline
▲ 0.50% · 4.625%
HK$147,927
+HK$7,407/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,040/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,865 · Scale 2, in force from 26 Feb 2026)