LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,751
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,827
−HK$2,110/mo
Today · 4.125%
HK$70,937
baseline
▲ 0.50% · 4.625%
HK$75,253
+HK$4,316/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,874/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,260
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,251
−HK$2,021/mo
Today · 4.125%
HK$78,272
baseline
▲ 0.50% · 4.625%
HK$82,398
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,544/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,101
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,593
−HK$2,531/mo
Today · 4.125%
HK$85,124
baseline
▲ 0.50% · 4.625%
HK$90,304
+HK$5,180/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,248/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,112
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,502
−HK$2,424/mo
Today · 4.125%
HK$93,926
baseline
▲ 0.50% · 4.625%
HK$98,877
+HK$4,951/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,852/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,451
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,358
−HK$2,953/mo
Today · 4.125%
HK$99,311
baseline
▲ 0.50% · 4.625%
HK$105,354
+HK$6,043/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,622/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,964
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,752
−HK$2,828/mo
Today · 4.125%
HK$109,580
baseline
▲ 0.50% · 4.625%
HK$115,357
+HK$5,777/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,160/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,152
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,889
−HK$3,797/mo
Today · 4.125%
HK$127,686
baseline
▲ 0.50% · 4.625%
HK$135,456
+HK$7,770/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,372/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,667
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$137,252
−HK$3,637/mo
Today · 4.125%
HK$140,889
baseline
▲ 0.50% · 4.625%
HK$148,316
+HK$7,427/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,778/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,121 · Scale 2, in force from 26 Feb 2026)