LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,591
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$2,105/mo
Today · 4.125%
HK$70,767
baseline
▲ 0.50% · 4.625%
HK$75,073
+HK$4,306/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,534/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,082
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,069
−HK$2,015/mo
Today · 4.125%
HK$78,084
baseline
▲ 0.50% · 4.625%
HK$82,200
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,168/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,909
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,395
−HK$2,525/mo
Today · 4.125%
HK$84,920
baseline
▲ 0.50% · 4.625%
HK$90,087
+HK$5,167/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,840/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,898
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,282
−HK$2,419/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$98,640
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,227
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,127
−HK$2,947/mo
Today · 4.125%
HK$99,074
baseline
▲ 0.50% · 4.625%
HK$105,102
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,148/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,714
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,496
−HK$2,822/mo
Today · 4.125%
HK$109,318
baseline
▲ 0.50% · 4.625%
HK$115,080
+HK$5,762/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,636/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,864
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,592
−HK$3,788/mo
Today · 4.125%
HK$127,380
baseline
▲ 0.50% · 4.625%
HK$135,131
+HK$7,751/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,760/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,347
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,924
−HK$3,628/mo
Today · 4.125%
HK$140,552
baseline
▲ 0.50% · 4.625%
HK$147,960
+HK$7,408/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,104/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,140 · Scale 2, in force from 26 Feb 2026)