LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,920
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,970
−HK$2,083/mo
Today · 4.125%
HK$70,053
baseline
▲ 0.50% · 4.625%
HK$74,316
+HK$4,263/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,106/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,335
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,302
−HK$1,995/mo
Today · 4.125%
HK$77,297
baseline
▲ 0.50% · 4.625%
HK$81,371
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,594/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,104
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,564
−HK$2,500/mo
Today · 4.125%
HK$84,064
baseline
▲ 0.50% · 4.625%
HK$89,179
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,128/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,002
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,362
−HK$2,394/mo
Today · 4.125%
HK$92,756
baseline
▲ 0.50% · 4.625%
HK$97,646
+HK$4,890/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,512/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,287
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,158
−HK$2,917/mo
Today · 4.125%
HK$98,075
baseline
▲ 0.50% · 4.625%
HK$104,042
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,150/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,669
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,422
−HK$2,794/mo
Today · 4.125%
HK$108,216
baseline
▲ 0.50% · 4.625%
HK$113,920
+HK$5,704/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,432/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,655
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,346
−HK$3,750/mo
Today · 4.125%
HK$126,096
baseline
▲ 0.50% · 4.625%
HK$133,769
+HK$7,673/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,192/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,003
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,543
−HK$3,592/mo
Today · 4.125%
HK$139,135
baseline
▲ 0.50% · 4.625%
HK$146,469
+HK$7,334/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,270/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,627 · Scale 2, in force from 26 Feb 2026)