LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,579
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,650
−HK$2,104/mo
Today · 4.125%
HK$70,754
baseline
▲ 0.50% · 4.625%
HK$75,059
+HK$4,305/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,508/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,068
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,055
−HK$2,015/mo
Today · 4.125%
HK$78,070
baseline
▲ 0.50% · 4.625%
HK$82,185
+HK$4,115/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,140/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,894
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,380
−HK$2,525/mo
Today · 4.125%
HK$84,905
baseline
▲ 0.50% · 4.625%
HK$90,071
+HK$5,166/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,810/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,882
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,266
−HK$2,418/mo
Today · 4.125%
HK$93,684
baseline
▲ 0.50% · 4.625%
HK$98,622
+HK$4,938/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,368/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,210
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,110
−HK$2,945/mo
Today · 4.125%
HK$99,055
baseline
▲ 0.50% · 4.625%
HK$105,083
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,110/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,695
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,476
−HK$2,822/mo
Today · 4.125%
HK$109,298
baseline
▲ 0.50% · 4.625%
HK$115,059
+HK$5,761/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,596/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,842
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$123,569
−HK$3,788/mo
Today · 4.125%
HK$127,357
baseline
▲ 0.50% · 4.625%
HK$135,106
+HK$7,749/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,714/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,323
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$136,898
−HK$3,628/mo
Today · 4.125%
HK$140,526
baseline
▲ 0.50% · 4.625%
HK$147,933
+HK$7,407/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,052/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,912 · Scale 2, in force from 26 Feb 2026)