LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,903
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,953
−HK$2,083/mo
Today · 4.125%
HK$70,036
baseline
▲ 0.50% · 4.625%
HK$74,298
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,072/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,317
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,283
−HK$1,995/mo
Today · 4.125%
HK$77,278
baseline
▲ 0.50% · 4.625%
HK$81,351
+HK$4,073/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,556/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,084
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,544
−HK$2,499/mo
Today · 4.125%
HK$84,043
baseline
▲ 0.50% · 4.625%
HK$89,157
+HK$5,114/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,086/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,980
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,340
−HK$2,393/mo
Today · 4.125%
HK$92,733
baseline
▲ 0.50% · 4.625%
HK$97,622
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,466/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,265
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,135
−HK$2,915/mo
Today · 4.125%
HK$98,050
baseline
▲ 0.50% · 4.625%
HK$104,017
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,100/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,643
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,396
−HK$2,793/mo
Today · 4.125%
HK$108,189
baseline
▲ 0.50% · 4.625%
HK$113,892
+HK$5,703/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,378/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,626
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$122,316
−HK$3,749/mo
Today · 4.125%
HK$126,065
baseline
▲ 0.50% · 4.625%
HK$133,736
+HK$7,671/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,130/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,970
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$135,510
−HK$3,590/mo
Today · 4.125%
HK$139,100
baseline
▲ 0.50% · 4.625%
HK$146,432
+HK$7,332/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,200/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,323 · Scale 2, in force from 26 Feb 2026)