LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,894
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,944
−HK$2,082/mo
Today · 4.125%
HK$70,026
baseline
▲ 0.50% · 4.625%
HK$74,287
+HK$4,261/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,052/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,307
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,273
−HK$1,994/mo
Today · 4.125%
HK$77,267
baseline
▲ 0.50% · 4.625%
HK$81,340
+HK$4,073/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,534/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,073
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,533
−HK$2,499/mo
Today · 4.125%
HK$84,032
baseline
▲ 0.50% · 4.625%
HK$89,145
+HK$5,113/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,064/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,968
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,327
−HK$2,393/mo
Today · 4.125%
HK$92,720
baseline
▲ 0.50% · 4.625%
HK$97,608
+HK$4,888/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,440/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,252
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,121
−HK$2,916/mo
Today · 4.125%
HK$98,037
baseline
▲ 0.50% · 4.625%
HK$104,002
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,074/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,629
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,382
−HK$2,792/mo
Today · 4.125%
HK$108,174
baseline
▲ 0.50% · 4.625%
HK$113,876
+HK$5,702/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,348/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,609
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,299
−HK$3,748/mo
Today · 4.125%
HK$126,047
baseline
▲ 0.50% · 4.625%
HK$133,717
+HK$7,670/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,094/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,952
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,491
−HK$3,590/mo
Today · 4.125%
HK$139,081
baseline
▲ 0.50% · 4.625%
HK$146,412
+HK$7,331/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,162/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,152 · Scale 2, in force from 26 Feb 2026)