LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,899
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,948
−HK$2,083/mo
Today · 4.125%
HK$70,031
baseline
▲ 0.50% · 4.625%
HK$74,292
+HK$4,261/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,062/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,278
−HK$1,994/mo
Today · 4.125%
HK$77,272
baseline
▲ 0.50% · 4.625%
HK$81,346
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,544/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,078
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,538
−HK$2,499/mo
Today · 4.125%
HK$84,037
baseline
▲ 0.50% · 4.625%
HK$89,151
+HK$5,114/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,074/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,974
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,333
−HK$2,394/mo
Today · 4.125%
HK$92,727
baseline
▲ 0.50% · 4.625%
HK$97,615
+HK$4,888/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,454/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,258
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,128
−HK$2,916/mo
Today · 4.125%
HK$98,044
baseline
▲ 0.50% · 4.625%
HK$104,009
+HK$5,965/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,088/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,636
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,389
−HK$2,792/mo
Today · 4.125%
HK$108,181
baseline
▲ 0.50% · 4.625%
HK$113,884
+HK$5,703/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,362/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,618
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$122,307
−HK$3,749/mo
Today · 4.125%
HK$126,056
baseline
▲ 0.50% · 4.625%
HK$133,726
+HK$7,670/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,112/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,961
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$135,500
−HK$3,590/mo
Today · 4.125%
HK$139,090
baseline
▲ 0.50% · 4.625%
HK$146,422
+HK$7,332/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,180/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,236 · Scale 2, in force from 26 Feb 2026)