LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,892
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,942
−HK$2,082/mo
Today · 4.125%
HK$70,024
baseline
▲ 0.50% · 4.625%
HK$74,285
+HK$4,261/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,048/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,305
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,270
−HK$1,995/mo
Today · 4.125%
HK$77,265
baseline
▲ 0.50% · 4.625%
HK$81,338
+HK$4,073/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,530/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,071
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,530
−HK$2,499/mo
Today · 4.125%
HK$84,029
baseline
▲ 0.50% · 4.625%
HK$89,142
+HK$5,113/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,058/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,965
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,325
−HK$2,393/mo
Today · 4.125%
HK$92,718
baseline
▲ 0.50% · 4.625%
HK$97,605
+HK$4,887/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,436/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,249
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,119
−HK$2,915/mo
Today · 4.125%
HK$98,034
baseline
▲ 0.50% · 4.625%
HK$103,999
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,068/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,626
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,379
−HK$2,792/mo
Today · 4.125%
HK$108,171
baseline
▲ 0.50% · 4.625%
HK$113,873
+HK$5,702/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,342/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,606
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,295
−HK$3,749/mo
Today · 4.125%
HK$126,044
baseline
▲ 0.50% · 4.625%
HK$133,713
+HK$7,669/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,088/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,948
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,487
−HK$3,590/mo
Today · 4.125%
HK$139,077
baseline
▲ 0.50% · 4.625%
HK$146,408
+HK$7,331/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,154/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,118 · Scale 2, in force from 26 Feb 2026)