LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,747
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,823
−HK$2,109/mo
Today · 4.125%
HK$70,932
baseline
▲ 0.50% · 4.625%
HK$75,249
+HK$4,317/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,864/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,255
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,247
−HK$2,020/mo
Today · 4.125%
HK$78,267
baseline
▲ 0.50% · 4.625%
HK$82,393
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,534/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,096
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,588
−HK$2,531/mo
Today · 4.125%
HK$85,119
baseline
▲ 0.50% · 4.625%
HK$90,298
+HK$5,179/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,238/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,106
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,496
−HK$2,424/mo
Today · 4.125%
HK$93,920
baseline
▲ 0.50% · 4.625%
HK$98,871
+HK$4,951/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,840/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,446
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,352
−HK$2,953/mo
Today · 4.125%
HK$99,305
baseline
▲ 0.50% · 4.625%
HK$105,348
+HK$6,043/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,610/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,957
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,745
−HK$2,829/mo
Today · 4.125%
HK$109,574
baseline
▲ 0.50% · 4.625%
HK$115,350
+HK$5,776/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,148/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,144
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,881
−HK$3,797/mo
Today · 4.125%
HK$127,678
baseline
▲ 0.50% · 4.625%
HK$135,447
+HK$7,769/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,356/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,659
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$137,244
−HK$3,637/mo
Today · 4.125%
HK$140,881
baseline
▲ 0.50% · 4.625%
HK$148,307
+HK$7,426/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,762/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,045 · Scale 2, in force from 26 Feb 2026)