LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,651
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,693
−HK$2,075/mo
Today · 4.125%
HK$69,768
baseline
▲ 0.50% · 4.625%
HK$74,014
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,536/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,036
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,995
−HK$1,987/mo
Today · 4.125%
HK$76,982
baseline
▲ 0.50% · 4.625%
HK$81,040
+HK$4,058/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,964/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,782
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,232
−HK$2,490/mo
Today · 4.125%
HK$83,722
baseline
▲ 0.50% · 4.625%
HK$88,816
+HK$5,094/mo
Deposit HK$11.52M · loan HK$17.27M · min. income ≈ HK$167,444/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,644
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,994
−HK$2,385/mo
Today · 4.125%
HK$92,379
baseline
▲ 0.50% · 4.625%
HK$97,248
+HK$4,869/mo
Deposit HK$11.52M · loan HK$17.27M · min. income ≈ HK$184,758/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,912
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,771
−HK$2,905/mo
Today · 4.125%
HK$97,676
baseline
▲ 0.50% · 4.625%
HK$103,619
+HK$5,943/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$195,352/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,251
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,993
−HK$2,782/mo
Today · 4.125%
HK$107,775
baseline
▲ 0.50% · 4.625%
HK$113,456
+HK$5,681/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$215,550/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,172
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,848
−HK$3,735/mo
Today · 4.125%
HK$125,583
baseline
▲ 0.50% · 4.625%
HK$133,224
+HK$7,641/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,166/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,466
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$134,992
−HK$3,576/mo
Today · 4.125%
HK$138,568
baseline
▲ 0.50% · 4.625%
HK$145,872
+HK$7,304/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,136/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,627 · Scale 2, in force from 26 Feb 2026)