LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,885
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,935
−HK$2,082/mo
Today · 4.125%
HK$70,017
baseline
▲ 0.50% · 4.625%
HK$74,277
+HK$4,260/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,034/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,297
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,262
−HK$1,995/mo
Today · 4.125%
HK$77,257
baseline
▲ 0.50% · 4.625%
HK$81,329
+HK$4,072/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,514/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,062
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,521
−HK$2,499/mo
Today · 4.125%
HK$84,020
baseline
▲ 0.50% · 4.625%
HK$89,132
+HK$5,112/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,040/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,956
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,315
−HK$2,393/mo
Today · 4.125%
HK$92,708
baseline
▲ 0.50% · 4.625%
HK$97,595
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,416/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,239
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,108
−HK$2,915/mo
Today · 4.125%
HK$98,023
baseline
▲ 0.50% · 4.625%
HK$103,988
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,046/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,615
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,367
−HK$2,792/mo
Today · 4.125%
HK$108,159
baseline
▲ 0.50% · 4.625%
HK$113,860
+HK$5,701/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,318/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,593
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$122,282
−HK$3,748/mo
Today · 4.125%
HK$126,030
baseline
▲ 0.50% · 4.625%
HK$133,699
+HK$7,669/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,060/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,934
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$135,472
−HK$3,590/mo
Today · 4.125%
HK$139,062
baseline
▲ 0.50% · 4.625%
HK$146,392
+HK$7,330/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,124/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,984 · Scale 2, in force from 26 Feb 2026)