LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,622
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,695
−HK$2,105/mo
Today · 4.125%
HK$70,800
baseline
▲ 0.50% · 4.625%
HK$75,108
+HK$4,308/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,600/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,117
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,105
−HK$2,016/mo
Today · 4.125%
HK$78,121
baseline
▲ 0.50% · 4.625%
HK$82,239
+HK$4,118/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,242/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,947
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,434
−HK$2,526/mo
Today · 4.125%
HK$84,960
baseline
▲ 0.50% · 4.625%
HK$90,130
+HK$5,170/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,920/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,940
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,325
−HK$2,420/mo
Today · 4.125%
HK$93,745
baseline
▲ 0.50% · 4.625%
HK$98,687
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,490/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,271
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,173
−HK$2,947/mo
Today · 4.125%
HK$99,120
baseline
▲ 0.50% · 4.625%
HK$105,152
+HK$6,032/mo
Deposit HK$8.77M · loan HK$20.45M · min. income ≈ HK$198,240/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,764
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,546
−HK$2,824/mo
Today · 4.125%
HK$109,370
baseline
▲ 0.50% · 4.625%
HK$115,135
+HK$5,765/mo
Deposit HK$8.77M · loan HK$20.45M · min. income ≈ HK$218,740/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,920
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$123,651
−HK$3,789/mo
Today · 4.125%
HK$127,440
baseline
▲ 0.50% · 4.625%
HK$135,195
+HK$7,755/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,880/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,410
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,988
−HK$3,630/mo
Today · 4.125%
HK$140,618
baseline
▲ 0.50% · 4.625%
HK$148,030
+HK$7,412/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,236/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,727 · Scale 2, in force from 26 Feb 2026)