LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,746
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,822
−HK$2,109/mo
Today · 4.125%
HK$70,931
baseline
▲ 0.50% · 4.625%
HK$75,247
+HK$4,316/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,862/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,254
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,245
−HK$2,021/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$82,391
+HK$4,125/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,532/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,095
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,586
−HK$2,532/mo
Today · 4.125%
HK$85,118
baseline
▲ 0.50% · 4.625%
HK$90,297
+HK$5,179/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,236/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,105
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,494
−HK$2,425/mo
Today · 4.125%
HK$93,919
baseline
▲ 0.50% · 4.625%
HK$98,869
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,838/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,444
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,351
−HK$2,953/mo
Today · 4.125%
HK$99,304
baseline
▲ 0.50% · 4.625%
HK$105,346
+HK$6,042/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,608/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,956
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,744
−HK$2,828/mo
Today · 4.125%
HK$109,572
baseline
▲ 0.50% · 4.625%
HK$115,348
+HK$5,776/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,144/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,142
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,879
−HK$3,797/mo
Today · 4.125%
HK$127,676
baseline
▲ 0.50% · 4.625%
HK$135,445
+HK$7,769/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,352/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,657
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,242
−HK$3,636/mo
Today · 4.125%
HK$140,878
baseline
▲ 0.50% · 4.625%
HK$148,304
+HK$7,426/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,756/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,024 · Scale 2, in force from 26 Feb 2026)