LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,882
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,932
−HK$2,082/mo
Today · 4.125%
HK$70,014
baseline
▲ 0.50% · 4.625%
HK$74,274
+HK$4,260/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,028/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,294
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,259
−HK$1,994/mo
Today · 4.125%
HK$77,253
baseline
▲ 0.50% · 4.625%
HK$81,325
+HK$4,072/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,506/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,059
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,518
−HK$2,499/mo
Today · 4.125%
HK$84,017
baseline
▲ 0.50% · 4.625%
HK$89,129
+HK$5,112/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,034/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,952
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,311
−HK$2,393/mo
Today · 4.125%
HK$92,704
baseline
▲ 0.50% · 4.625%
HK$97,591
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,408/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,235
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,104
−HK$2,915/mo
Today · 4.125%
HK$98,019
baseline
▲ 0.50% · 4.625%
HK$103,984
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,038/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,611
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,363
−HK$2,792/mo
Today · 4.125%
HK$108,155
baseline
▲ 0.50% · 4.625%
HK$113,856
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,310/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,588
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$122,277
−HK$3,748/mo
Today · 4.125%
HK$126,025
baseline
▲ 0.50% · 4.625%
HK$133,693
+HK$7,668/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,050/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,928
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$135,467
−HK$3,589/mo
Today · 4.125%
HK$139,056
baseline
▲ 0.50% · 4.625%
HK$146,386
+HK$7,330/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,112/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,934 · Scale 2, in force from 26 Feb 2026)