LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,934
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,985
−HK$2,083/mo
Today · 4.125%
HK$70,068
baseline
▲ 0.50% · 4.625%
HK$74,332
+HK$4,264/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,136/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,351
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,318
−HK$1,996/mo
Today · 4.125%
HK$77,314
baseline
▲ 0.50% · 4.625%
HK$81,389
+HK$4,075/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,628/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,121
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,582
−HK$2,500/mo
Today · 4.125%
HK$84,082
baseline
▲ 0.50% · 4.625%
HK$89,198
+HK$5,116/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,164/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,021
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,381
−HK$2,395/mo
Today · 4.125%
HK$92,776
baseline
▲ 0.50% · 4.625%
HK$97,667
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,552/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,307
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,179
−HK$2,917/mo
Today · 4.125%
HK$98,096
baseline
▲ 0.50% · 4.625%
HK$104,065
+HK$5,969/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,192/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,691
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,445
−HK$2,794/mo
Today · 4.125%
HK$108,239
baseline
▲ 0.50% · 4.625%
HK$113,944
+HK$5,705/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,478/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,681
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$122,372
−HK$3,751/mo
Today · 4.125%
HK$126,123
baseline
▲ 0.50% · 4.625%
HK$133,797
+HK$7,674/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,246/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,031
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$135,572
−HK$3,592/mo
Today · 4.125%
HK$139,164
baseline
▲ 0.50% · 4.625%
HK$146,500
+HK$7,336/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,328/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,891 · Scale 2, in force from 26 Feb 2026)