LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,789
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,866
−HK$2,111/mo
Today · 4.125%
HK$70,977
baseline
▲ 0.50% · 4.625%
HK$75,296
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,954/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,302
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,295
−HK$2,021/mo
Today · 4.125%
HK$78,316
baseline
▲ 0.50% · 4.625%
HK$82,444
+HK$4,128/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,632/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,147
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,640
−HK$2,532/mo
Today · 4.125%
HK$85,172
baseline
▲ 0.50% · 4.625%
HK$90,355
+HK$5,183/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$170,344/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,162
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,553
−HK$2,426/mo
Today · 4.125%
HK$93,979
baseline
▲ 0.50% · 4.625%
HK$98,933
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$187,958/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,504
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,413
−HK$2,955/mo
Today · 4.125%
HK$99,368
baseline
▲ 0.50% · 4.625%
HK$105,414
+HK$6,046/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,736/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,023
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,812
−HK$2,831/mo
Today · 4.125%
HK$109,643
baseline
▲ 0.50% · 4.625%
HK$115,422
+HK$5,779/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,286/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,220
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$123,959
−HK$3,800/mo
Today · 4.125%
HK$127,759
baseline
▲ 0.50% · 4.625%
HK$135,532
+HK$7,773/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,518/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,743
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,330
−HK$3,639/mo
Today · 4.125%
HK$140,969
baseline
▲ 0.50% · 4.625%
HK$148,400
+HK$7,431/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,938/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,827 · Scale 2, in force from 26 Feb 2026)