LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,961
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,013
−HK$2,084/mo
Today · 4.125%
HK$70,097
baseline
▲ 0.50% · 4.625%
HK$74,362
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,194/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,381
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,349
−HK$1,996/mo
Today · 4.125%
HK$77,345
baseline
▲ 0.50% · 4.625%
HK$81,422
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,690/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,153
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,615
−HK$2,502/mo
Today · 4.125%
HK$84,117
baseline
▲ 0.50% · 4.625%
HK$89,235
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,234/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,057
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,419
−HK$2,395/mo
Today · 4.125%
HK$92,814
baseline
▲ 0.50% · 4.625%
HK$97,707
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,628/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,345
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,218
−HK$2,918/mo
Today · 4.125%
HK$98,136
baseline
▲ 0.50% · 4.625%
HK$104,107
+HK$5,971/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,272/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,733
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,488
−HK$2,795/mo
Today · 4.125%
HK$108,283
baseline
▲ 0.50% · 4.625%
HK$113,991
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,566/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,730
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$122,423
−HK$3,752/mo
Today · 4.125%
HK$126,175
baseline
▲ 0.50% · 4.625%
HK$133,852
+HK$7,677/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,350/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,085
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,628
−HK$3,594/mo
Today · 4.125%
HK$139,222
baseline
▲ 0.50% · 4.625%
HK$146,560
+HK$7,338/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,444/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,396 · Scale 2, in force from 26 Feb 2026)