LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,962
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,014
−HK$2,085/mo
Today · 4.125%
HK$70,099
baseline
▲ 0.50% · 4.625%
HK$74,364
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,198/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,383
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,351
−HK$1,996/mo
Today · 4.125%
HK$77,347
baseline
▲ 0.50% · 4.625%
HK$81,424
+HK$4,077/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,694/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,155
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,617
−HK$2,502/mo
Today · 4.125%
HK$84,119
baseline
▲ 0.50% · 4.625%
HK$89,237
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,238/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,059
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,421
−HK$2,396/mo
Today · 4.125%
HK$92,817
baseline
▲ 0.50% · 4.625%
HK$97,709
+HK$4,892/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,634/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,347
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$95,220
−HK$2,918/mo
Today · 4.125%
HK$98,138
baseline
▲ 0.50% · 4.625%
HK$104,110
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,276/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,736
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,491
−HK$2,795/mo
Today · 4.125%
HK$108,286
baseline
▲ 0.50% · 4.625%
HK$113,994
+HK$5,708/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,572/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,732
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,426
−HK$3,752/mo
Today · 4.125%
HK$126,178
baseline
▲ 0.50% · 4.625%
HK$133,856
+HK$7,678/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,356/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,089
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$135,631
−HK$3,594/mo
Today · 4.125%
HK$139,225
baseline
▲ 0.50% · 4.625%
HK$146,564
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,450/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,426 · Scale 2, in force from 26 Feb 2026)