LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,686
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,761
−HK$2,107/mo
Today · 4.125%
HK$70,868
baseline
▲ 0.50% · 4.625%
HK$75,180
+HK$4,312/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,736/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,188
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,178
−HK$2,018/mo
Today · 4.125%
HK$78,196
baseline
▲ 0.50% · 4.625%
HK$82,318
+HK$4,122/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,392/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,024
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,513
−HK$2,529/mo
Today · 4.125%
HK$85,042
baseline
▲ 0.50% · 4.625%
HK$90,217
+HK$5,175/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,084/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,026
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,413
−HK$2,422/mo
Today · 4.125%
HK$93,835
baseline
▲ 0.50% · 4.625%
HK$98,782
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,670/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,361
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,265
−HK$2,951/mo
Today · 4.125%
HK$99,216
baseline
▲ 0.50% · 4.625%
HK$105,253
+HK$6,037/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,432/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,863
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,649
−HK$2,826/mo
Today · 4.125%
HK$109,475
baseline
▲ 0.50% · 4.625%
HK$115,245
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,950/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,036
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,769
−HK$3,794/mo
Today · 4.125%
HK$127,563
baseline
▲ 0.50% · 4.625%
HK$135,325
+HK$7,762/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,126/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,538
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,120
−HK$3,633/mo
Today · 4.125%
HK$140,753
baseline
▲ 0.50% · 4.625%
HK$148,172
+HK$7,419/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,506/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,920 · Scale 2, in force from 26 Feb 2026)