LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,919
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,969
−HK$2,083/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$4,263/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,334
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,301
−HK$1,995/mo
Today · 4.125%
HK$77,296
baseline
▲ 0.50% · 4.625%
HK$81,370
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,592/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,102
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,563
−HK$2,500/mo
Today · 4.125%
HK$84,063
baseline
▲ 0.50% · 4.625%
HK$89,178
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,126/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,001
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,361
−HK$2,394/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,286
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,157
−HK$2,916/mo
Today · 4.125%
HK$98,073
baseline
▲ 0.50% · 4.625%
HK$104,041
+HK$5,968/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,146/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,667
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,421
−HK$2,793/mo
Today · 4.125%
HK$108,214
baseline
▲ 0.50% · 4.625%
HK$113,918
+HK$5,704/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,428/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,653
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,344
−HK$3,750/mo
Today · 4.125%
HK$126,094
baseline
▲ 0.50% · 4.625%
HK$133,767
+HK$7,673/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,188/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,001
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$135,541
−HK$3,591/mo
Today · 4.125%
HK$139,132
baseline
▲ 0.50% · 4.625%
HK$146,466
+HK$7,334/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,264/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,608 · Scale 2, in force from 26 Feb 2026)