LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,909
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,959
−HK$2,083/mo
Today · 4.125%
HK$70,042
baseline
▲ 0.50% · 4.625%
HK$74,304
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,084/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,323
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,290
−HK$1,995/mo
Today · 4.125%
HK$77,285
baseline
▲ 0.50% · 4.625%
HK$81,359
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,570/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,091
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,551
−HK$2,500/mo
Today · 4.125%
HK$84,051
baseline
▲ 0.50% · 4.625%
HK$89,165
+HK$5,114/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,102/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,988
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,348
−HK$2,394/mo
Today · 4.125%
HK$92,742
baseline
▲ 0.50% · 4.625%
HK$97,630
+HK$4,888/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,484/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,273
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,143
−HK$2,916/mo
Today · 4.125%
HK$98,059
baseline
▲ 0.50% · 4.625%
HK$104,026
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,118/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,653
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,406
−HK$2,793/mo
Today · 4.125%
HK$108,199
baseline
▲ 0.50% · 4.625%
HK$113,902
+HK$5,703/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,398/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,637
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$122,327
−HK$3,749/mo
Today · 4.125%
HK$126,076
baseline
▲ 0.50% · 4.625%
HK$133,748
+HK$7,672/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,152/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,982
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,522
−HK$3,591/mo
Today · 4.125%
HK$139,113
baseline
▲ 0.50% · 4.625%
HK$146,446
+HK$7,333/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,226/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,434 · Scale 2, in force from 26 Feb 2026)