LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,634
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,707
−HK$2,106/mo
Today · 4.125%
HK$70,813
baseline
▲ 0.50% · 4.625%
HK$75,122
+HK$4,309/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,626/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,130
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,118
−HK$2,017/mo
Today · 4.125%
HK$78,135
baseline
▲ 0.50% · 4.625%
HK$82,253
+HK$4,118/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,270/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,961
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,448
−HK$2,527/mo
Today · 4.125%
HK$84,975
baseline
▲ 0.50% · 4.625%
HK$90,146
+HK$5,171/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,950/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,956
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,342
−HK$2,420/mo
Today · 4.125%
HK$93,762
baseline
▲ 0.50% · 4.625%
HK$98,704
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,524/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,288
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,190
−HK$2,948/mo
Today · 4.125%
HK$99,138
baseline
▲ 0.50% · 4.625%
HK$105,170
+HK$6,032/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,276/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,782
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,565
−HK$2,824/mo
Today · 4.125%
HK$109,389
baseline
▲ 0.50% · 4.625%
HK$115,155
+HK$5,766/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,778/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,942
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$123,672
−HK$3,791/mo
Today · 4.125%
HK$127,463
baseline
▲ 0.50% · 4.625%
HK$135,219
+HK$7,756/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,926/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,434
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,012
−HK$3,631/mo
Today · 4.125%
HK$140,643
baseline
▲ 0.50% · 4.625%
HK$148,056
+HK$7,413/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,286/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,945 · Scale 2, in force from 26 Feb 2026)