LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,921
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,971
−HK$2,083/mo
Today · 4.125%
HK$70,054
baseline
▲ 0.50% · 4.625%
HK$74,317
+HK$4,263/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,108/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,336
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,303
−HK$1,995/mo
Today · 4.125%
HK$77,298
baseline
▲ 0.50% · 4.625%
HK$81,373
+HK$4,075/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,596/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,105
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,565
−HK$2,500/mo
Today · 4.125%
HK$84,065
baseline
▲ 0.50% · 4.625%
HK$89,180
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,130/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,003
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,363
−HK$2,395/mo
Today · 4.125%
HK$92,758
baseline
▲ 0.50% · 4.625%
HK$97,647
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,516/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,289
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,159
−HK$2,917/mo
Today · 4.125%
HK$98,076
baseline
▲ 0.50% · 4.625%
HK$104,044
+HK$5,968/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,152/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,670
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,424
−HK$2,793/mo
Today · 4.125%
HK$108,217
baseline
▲ 0.50% · 4.625%
HK$113,922
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,434/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,657
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,348
−HK$3,750/mo
Today · 4.125%
HK$126,098
baseline
▲ 0.50% · 4.625%
HK$133,771
+HK$7,673/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,196/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,005
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,545
−HK$3,592/mo
Today · 4.125%
HK$139,137
baseline
▲ 0.50% · 4.625%
HK$146,471
+HK$7,334/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,274/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,644 · Scale 2, in force from 26 Feb 2026)