LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,588
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,659
−HK$2,104/mo
Today · 4.125%
HK$70,763
baseline
▲ 0.50% · 4.625%
HK$75,069
+HK$4,306/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,526/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,078
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,065
−HK$2,015/mo
Today · 4.125%
HK$78,080
baseline
▲ 0.50% · 4.625%
HK$82,196
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,160/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,905
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,391
−HK$2,525/mo
Today · 4.125%
HK$84,916
baseline
▲ 0.50% · 4.625%
HK$90,083
+HK$5,167/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,832/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,894
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,278
−HK$2,418/mo
Today · 4.125%
HK$93,696
baseline
▲ 0.50% · 4.625%
HK$98,635
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,392/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,223
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,122
−HK$2,946/mo
Today · 4.125%
HK$99,068
baseline
▲ 0.50% · 4.625%
HK$105,096
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,136/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,709
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,491
−HK$2,821/mo
Today · 4.125%
HK$109,312
baseline
▲ 0.50% · 4.625%
HK$115,074
+HK$5,762/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,624/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,858
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,586
−HK$3,788/mo
Today · 4.125%
HK$127,374
baseline
▲ 0.50% · 4.625%
HK$135,124
+HK$7,750/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,748/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,340
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,916
−HK$3,628/mo
Today · 4.125%
HK$140,544
baseline
▲ 0.50% · 4.625%
HK$147,953
+HK$7,409/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,088/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,075 · Scale 2, in force from 26 Feb 2026)