LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,660
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,702
−HK$2,075/mo
Today · 4.125%
HK$69,777
baseline
▲ 0.50% · 4.625%
HK$74,023
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,554/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,046
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,005
−HK$1,987/mo
Today · 4.125%
HK$76,992
baseline
▲ 0.50% · 4.625%
HK$81,051
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,984/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,792
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,243
−HK$2,490/mo
Today · 4.125%
HK$83,733
baseline
▲ 0.50% · 4.625%
HK$88,828
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,466/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,655
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,006
−HK$2,385/mo
Today · 4.125%
HK$92,391
baseline
▲ 0.50% · 4.625%
HK$97,261
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,782/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,924
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,783
−HK$2,905/mo
Today · 4.125%
HK$97,688
baseline
▲ 0.50% · 4.625%
HK$103,632
+HK$5,944/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,376/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,264
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,007
−HK$2,782/mo
Today · 4.125%
HK$107,789
baseline
▲ 0.50% · 4.625%
HK$113,471
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,578/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,188
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,864
−HK$3,735/mo
Today · 4.125%
HK$125,599
baseline
▲ 0.50% · 4.625%
HK$133,242
+HK$7,643/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,198/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,483
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$135,009
−HK$3,577/mo
Today · 4.125%
HK$138,586
baseline
▲ 0.50% · 4.625%
HK$145,891
+HK$7,305/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,172/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,786 · Scale 2, in force from 26 Feb 2026)