LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,693
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,736
−HK$2,076/mo
Today · 4.125%
HK$69,812
baseline
▲ 0.50% · 4.625%
HK$74,060
+HK$4,248/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,624/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,082
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,042
−HK$1,989/mo
Today · 4.125%
HK$77,031
baseline
▲ 0.50% · 4.625%
HK$81,091
+HK$4,060/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,062/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,831
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,283
−HK$2,492/mo
Today · 4.125%
HK$83,775
baseline
▲ 0.50% · 4.625%
HK$88,872
+HK$5,097/mo
Deposit HK$11.52M · loan HK$17.29M · min. income ≈ HK$167,550/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,699
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,051
−HK$2,386/mo
Today · 4.125%
HK$92,437
baseline
▲ 0.50% · 4.625%
HK$97,310
+HK$4,873/mo
Deposit HK$11.52M · loan HK$17.29M · min. income ≈ HK$184,874/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,970
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,831
−HK$2,906/mo
Today · 4.125%
HK$97,737
baseline
▲ 0.50% · 4.625%
HK$103,684
+HK$5,947/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$195,474/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,315
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,059
−HK$2,784/mo
Today · 4.125%
HK$107,843
baseline
▲ 0.50% · 4.625%
HK$113,528
+HK$5,685/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$215,686/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,247
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$121,925
−HK$3,737/mo
Today · 4.125%
HK$125,662
baseline
▲ 0.50% · 4.625%
HK$133,308
+HK$7,646/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$251,324/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,548
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,076
−HK$3,580/mo
Today · 4.125%
HK$138,656
baseline
▲ 0.50% · 4.625%
HK$145,964
+HK$7,308/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$277,312/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,397 · Scale 2, in force from 26 Feb 2026)