LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,800
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$2,111/mo
Today · 4.125%
HK$70,988
baseline
▲ 0.50% · 4.625%
HK$75,308
+HK$4,320/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,976/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,314
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,307
−HK$2,022/mo
Today · 4.125%
HK$78,329
baseline
▲ 0.50% · 4.625%
HK$82,458
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,658/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,159
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,653
−HK$2,533/mo
Today · 4.125%
HK$85,186
baseline
▲ 0.50% · 4.625%
HK$90,370
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,372/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,177
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,568
−HK$2,427/mo
Today · 4.125%
HK$93,995
baseline
▲ 0.50% · 4.625%
HK$98,949
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$187,990/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,519
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,428
−HK$2,956/mo
Today · 4.125%
HK$99,384
baseline
▲ 0.50% · 4.625%
HK$105,431
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,768/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,039
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,830
−HK$2,830/mo
Today · 4.125%
HK$109,660
baseline
▲ 0.50% · 4.625%
HK$115,441
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,320/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,239
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,979
−HK$3,800/mo
Today · 4.125%
HK$127,779
baseline
▲ 0.50% · 4.625%
HK$135,554
+HK$7,775/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,558/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,765
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,352
−HK$3,640/mo
Today · 4.125%
HK$140,992
baseline
▲ 0.50% · 4.625%
HK$148,424
+HK$7,432/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$281,984/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,028 · Scale 2, in force from 26 Feb 2026)