LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,621
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$2,106/mo
Today · 4.125%
HK$70,799
baseline
▲ 0.50% · 4.625%
HK$75,107
+HK$4,308/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,598/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,115
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,103
−HK$2,017/mo
Today · 4.125%
HK$78,120
baseline
▲ 0.50% · 4.625%
HK$82,237
+HK$4,117/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,240/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,945
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,432
−HK$2,527/mo
Today · 4.125%
HK$84,959
baseline
▲ 0.50% · 4.625%
HK$90,128
+HK$5,169/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,918/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,938
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,324
−HK$2,419/mo
Today · 4.125%
HK$93,743
baseline
▲ 0.50% · 4.625%
HK$98,685
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,486/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,270
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,171
−HK$2,947/mo
Today · 4.125%
HK$99,118
baseline
▲ 0.50% · 4.625%
HK$105,149
+HK$6,031/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$198,236/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,761
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,544
−HK$2,823/mo
Today · 4.125%
HK$109,367
baseline
▲ 0.50% · 4.625%
HK$115,132
+HK$5,765/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$218,734/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,918
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,648
−HK$3,790/mo
Today · 4.125%
HK$127,438
baseline
▲ 0.50% · 4.625%
HK$135,192
+HK$7,754/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,876/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,408
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,985
−HK$3,630/mo
Today · 4.125%
HK$140,615
baseline
▲ 0.50% · 4.625%
HK$148,027
+HK$7,412/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,230/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,702 · Scale 2, in force from 26 Feb 2026)