LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,692
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,767
−HK$2,107/mo
Today · 4.125%
HK$70,874
baseline
▲ 0.50% · 4.625%
HK$75,187
+HK$4,313/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,748/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,194
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,184
−HK$2,019/mo
Today · 4.125%
HK$78,203
baseline
▲ 0.50% · 4.625%
HK$82,325
+HK$4,122/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,406/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,031
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,520
−HK$2,529/mo
Today · 4.125%
HK$85,049
baseline
▲ 0.50% · 4.625%
HK$90,224
+HK$5,175/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,098/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,033
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,421
−HK$2,422/mo
Today · 4.125%
HK$93,843
baseline
▲ 0.50% · 4.625%
HK$98,790
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,686/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,369
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,273
−HK$2,951/mo
Today · 4.125%
HK$99,224
baseline
▲ 0.50% · 4.625%
HK$105,262
+HK$6,038/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,448/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,872
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,658
−HK$2,826/mo
Today · 4.125%
HK$109,484
baseline
▲ 0.50% · 4.625%
HK$115,255
+HK$5,771/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,968/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,046
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,780
−HK$3,794/mo
Today · 4.125%
HK$127,574
baseline
▲ 0.50% · 4.625%
HK$135,336
+HK$7,762/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,148/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,550
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,132
−HK$3,633/mo
Today · 4.125%
HK$140,765
baseline
▲ 0.50% · 4.625%
HK$148,185
+HK$7,420/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,530/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,026 · Scale 2, in force from 26 Feb 2026)