LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,913
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,963
−HK$2,083/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$74,308
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,327
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,294
−HK$1,995/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,363
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,095
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,556
−HK$2,499/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$89,170
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,993
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,353
−HK$2,394/mo
Today · 4.125%
HK$92,747
baseline
▲ 0.50% · 4.625%
HK$97,635
+HK$4,888/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,494/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,278
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,148
−HK$2,916/mo
Today · 4.125%
HK$98,064
baseline
▲ 0.50% · 4.625%
HK$104,031
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,128/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,658
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,411
−HK$2,793/mo
Today · 4.125%
HK$108,204
baseline
▲ 0.50% · 4.625%
HK$113,908
+HK$5,704/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,408/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,643
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$122,333
−HK$3,750/mo
Today · 4.125%
HK$126,083
baseline
▲ 0.50% · 4.625%
HK$133,755
+HK$7,672/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,166/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,989
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,529
−HK$3,591/mo
Today · 4.125%
HK$139,120
baseline
▲ 0.50% · 4.625%
HK$146,453
+HK$7,333/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,240/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,498 · Scale 2, in force from 26 Feb 2026)