LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,740
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,816
−HK$2,109/mo
Today · 4.125%
HK$70,925
baseline
▲ 0.50% · 4.625%
HK$75,240
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,850/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,247
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,238
−HK$2,020/mo
Today · 4.125%
HK$78,258
baseline
▲ 0.50% · 4.625%
HK$82,384
+HK$4,126/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,516/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,088
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,579
−HK$2,531/mo
Today · 4.125%
HK$85,110
baseline
▲ 0.50% · 4.625%
HK$90,288
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,220/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,097
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,486
−HK$2,424/mo
Today · 4.125%
HK$93,910
baseline
▲ 0.50% · 4.625%
HK$98,860
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,820/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,435
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,342
−HK$2,953/mo
Today · 4.125%
HK$99,295
baseline
▲ 0.50% · 4.625%
HK$105,336
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,590/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,946
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,734
−HK$2,828/mo
Today · 4.125%
HK$109,562
baseline
▲ 0.50% · 4.625%
HK$115,337
+HK$5,775/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,124/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,131
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,868
−HK$3,797/mo
Today · 4.125%
HK$127,665
baseline
▲ 0.50% · 4.625%
HK$135,433
+HK$7,768/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,330/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,645
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$137,229
−HK$3,636/mo
Today · 4.125%
HK$140,865
baseline
▲ 0.50% · 4.625%
HK$148,290
+HK$7,425/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,730/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,910 · Scale 2, in force from 26 Feb 2026)