LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,742
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,818
−HK$2,109/mo
Today · 4.125%
HK$70,927
baseline
▲ 0.50% · 4.625%
HK$75,243
+HK$4,316/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,854/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,250
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,020/mo
Today · 4.125%
HK$78,261
baseline
▲ 0.50% · 4.625%
HK$82,386
+HK$4,125/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,522/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,090
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,581
−HK$2,532/mo
Today · 4.125%
HK$85,113
baseline
▲ 0.50% · 4.625%
HK$90,291
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,226/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,100
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,489
−HK$2,424/mo
Today · 4.125%
HK$93,913
baseline
▲ 0.50% · 4.625%
HK$98,864
+HK$4,951/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,826/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,439
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,345
−HK$2,953/mo
Today · 4.125%
HK$99,298
baseline
▲ 0.50% · 4.625%
HK$105,340
+HK$6,042/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,596/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,950
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,737
−HK$2,829/mo
Today · 4.125%
HK$109,566
baseline
▲ 0.50% · 4.625%
HK$115,341
+HK$5,775/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,132/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,135
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,872
−HK$3,797/mo
Today · 4.125%
HK$127,669
baseline
▲ 0.50% · 4.625%
HK$135,437
+HK$7,768/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,338/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,649
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,234
−HK$3,636/mo
Today · 4.125%
HK$140,870
baseline
▲ 0.50% · 4.625%
HK$148,295
+HK$7,425/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,740/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,952 · Scale 2, in force from 26 Feb 2026)