LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,760
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,837
−HK$2,110/mo
Today · 4.125%
HK$70,947
baseline
▲ 0.50% · 4.625%
HK$75,264
+HK$4,317/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,894/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,270
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,262
−HK$2,021/mo
Today · 4.125%
HK$78,283
baseline
▲ 0.50% · 4.625%
HK$82,409
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,566/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,112
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,604
−HK$2,532/mo
Today · 4.125%
HK$85,136
baseline
▲ 0.50% · 4.625%
HK$90,316
+HK$5,180/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,272/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,124
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,514
−HK$2,425/mo
Today · 4.125%
HK$93,939
baseline
▲ 0.50% · 4.625%
HK$98,891
+HK$4,952/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,878/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,464
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,371
−HK$2,954/mo
Today · 4.125%
HK$99,325
baseline
▲ 0.50% · 4.625%
HK$105,369
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,650/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,978
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,767
−HK$2,829/mo
Today · 4.125%
HK$109,596
baseline
▲ 0.50% · 4.625%
HK$115,372
+HK$5,776/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,192/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,168
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,906
−HK$3,798/mo
Today · 4.125%
HK$127,704
baseline
▲ 0.50% · 4.625%
HK$135,474
+HK$7,770/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,408/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,686
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,271
−HK$3,638/mo
Today · 4.125%
HK$140,909
baseline
▲ 0.50% · 4.625%
HK$148,336
+HK$7,427/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,818/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,293 · Scale 2, in force from 26 Feb 2026)