LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,876
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$2,082/mo
Today · 4.125%
HK$70,007
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$4,260/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$140,014/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,287
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,252
−HK$1,994/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,072/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,051
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,510
−HK$2,499/mo
Today · 4.125%
HK$84,009
baseline
▲ 0.50% · 4.625%
HK$89,120
+HK$5,111/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$168,018/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,944
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,302
−HK$2,393/mo
Today · 4.125%
HK$92,695
baseline
▲ 0.50% · 4.625%
HK$97,581
+HK$4,886/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$185,390/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,227
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,095
−HK$2,915/mo
Today · 4.125%
HK$98,010
baseline
▲ 0.50% · 4.625%
HK$103,974
+HK$5,964/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,020/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,601
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,353
−HK$2,791/mo
Today · 4.125%
HK$108,144
baseline
▲ 0.50% · 4.625%
HK$113,845
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,288/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,577
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,266
−HK$3,747/mo
Today · 4.125%
HK$126,013
baseline
▲ 0.50% · 4.625%
HK$133,681
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,026/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,916
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,454
−HK$3,589/mo
Today · 4.125%
HK$139,043
baseline
▲ 0.50% · 4.625%
HK$146,372
+HK$7,329/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,086/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,817 · Scale 2, in force from 26 Feb 2026)