LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,948
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,999
−HK$2,084/mo
Today · 4.125%
HK$70,083
baseline
▲ 0.50% · 4.625%
HK$74,348
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,166/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,366
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,334
−HK$1,996/mo
Today · 4.125%
HK$77,330
baseline
▲ 0.50% · 4.625%
HK$81,406
+HK$4,076/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,660/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,137
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,599
−HK$2,501/mo
Today · 4.125%
HK$84,100
baseline
▲ 0.50% · 4.625%
HK$89,217
+HK$5,117/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,200/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,039
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,400
−HK$2,396/mo
Today · 4.125%
HK$92,796
baseline
▲ 0.50% · 4.625%
HK$97,687
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,592/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,327
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,199
−HK$2,917/mo
Today · 4.125%
HK$98,116
baseline
▲ 0.50% · 4.625%
HK$104,087
+HK$5,971/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$196,232/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,713
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,467
−HK$2,795/mo
Today · 4.125%
HK$108,262
baseline
▲ 0.50% · 4.625%
HK$113,968
+HK$5,706/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$216,524/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,706
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,398
−HK$3,752/mo
Today · 4.125%
HK$126,150
baseline
▲ 0.50% · 4.625%
HK$133,826
+HK$7,676/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,300/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,059
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,601
−HK$3,593/mo
Today · 4.125%
HK$139,194
baseline
▲ 0.50% · 4.625%
HK$146,531
+HK$7,337/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,388/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,149 · Scale 2, in force from 26 Feb 2026)