LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,689
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,732
−HK$2,076/mo
Today · 4.125%
HK$69,808
baseline
▲ 0.50% · 4.625%
HK$74,055
+HK$4,247/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,616/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,078
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,038
−HK$1,988/mo
Today · 4.125%
HK$77,026
baseline
▲ 0.50% · 4.625%
HK$81,086
+HK$4,060/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,052/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,826
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,278
−HK$2,491/mo
Today · 4.125%
HK$83,769
baseline
▲ 0.50% · 4.625%
HK$88,867
+HK$5,098/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,538/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,693
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,045
−HK$2,386/mo
Today · 4.125%
HK$92,431
baseline
▲ 0.50% · 4.625%
HK$97,303
+HK$4,872/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,862/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,964
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,825
−HK$2,906/mo
Today · 4.125%
HK$97,731
baseline
▲ 0.50% · 4.625%
HK$103,678
+HK$5,947/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$195,462/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,309
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,053
−HK$2,783/mo
Today · 4.125%
HK$107,836
baseline
▲ 0.50% · 4.625%
HK$113,521
+HK$5,685/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$215,672/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,239
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$121,917
−HK$3,737/mo
Today · 4.125%
HK$125,654
baseline
▲ 0.50% · 4.625%
HK$133,300
+HK$7,646/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$251,308/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,540
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$135,068
−HK$3,579/mo
Today · 4.125%
HK$138,647
baseline
▲ 0.50% · 4.625%
HK$145,955
+HK$7,308/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$277,294/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,321 · Scale 2, in force from 26 Feb 2026)