LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,670
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,713
−HK$2,075/mo
Today · 4.125%
HK$69,788
baseline
▲ 0.50% · 4.625%
HK$74,034
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,576/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,057
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,016
−HK$1,988/mo
Today · 4.125%
HK$77,004
baseline
▲ 0.50% · 4.625%
HK$81,063
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,008/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,804
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,255
−HK$2,491/mo
Today · 4.125%
HK$83,746
baseline
▲ 0.50% · 4.625%
HK$88,841
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,492/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,669
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,020
−HK$2,385/mo
Today · 4.125%
HK$92,405
baseline
▲ 0.50% · 4.625%
HK$97,276
+HK$4,871/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,810/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,938
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,798
−HK$2,905/mo
Today · 4.125%
HK$97,703
baseline
▲ 0.50% · 4.625%
HK$103,648
+HK$5,945/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,406/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,280
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,023
−HK$2,783/mo
Today · 4.125%
HK$107,806
baseline
▲ 0.50% · 4.625%
HK$113,488
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,612/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,206
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,883
−HK$3,735/mo
Today · 4.125%
HK$125,618
baseline
▲ 0.50% · 4.625%
HK$133,262
+HK$7,644/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,236/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,503
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,030
−HK$3,577/mo
Today · 4.125%
HK$138,607
baseline
▲ 0.50% · 4.625%
HK$145,914
+HK$7,307/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,214/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,973 · Scale 2, in force from 26 Feb 2026)