LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,897
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,946
−HK$2,083/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$74,290
+HK$4,261/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,309
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,276
−HK$1,994/mo
Today · 4.125%
HK$77,270
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,073/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,540/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,076
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,536
−HK$2,499/mo
Today · 4.125%
HK$84,035
baseline
▲ 0.50% · 4.625%
HK$89,148
+HK$5,113/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,070/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,971
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,331
−HK$2,393/mo
Today · 4.125%
HK$92,724
baseline
▲ 0.50% · 4.625%
HK$97,612
+HK$4,888/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,448/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,255
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,125
−HK$2,916/mo
Today · 4.125%
HK$98,041
baseline
▲ 0.50% · 4.625%
HK$104,006
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,082/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,633
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,386
−HK$2,792/mo
Today · 4.125%
HK$108,178
baseline
▲ 0.50% · 4.625%
HK$113,880
+HK$5,702/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,356/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,614
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,304
−HK$3,748/mo
Today · 4.125%
HK$126,052
baseline
▲ 0.50% · 4.625%
HK$133,722
+HK$7,670/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,104/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,957
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,496
−HK$3,590/mo
Today · 4.125%
HK$139,086
baseline
▲ 0.50% · 4.625%
HK$146,418
+HK$7,332/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,172/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,199 · Scale 2, in force from 26 Feb 2026)