LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,974
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,026
−HK$2,085/mo
Today · 4.125%
HK$70,111
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,222/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,395
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,363
−HK$1,997/mo
Today · 4.125%
HK$77,360
baseline
▲ 0.50% · 4.625%
HK$81,438
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,720/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,168
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,631
−HK$2,502/mo
Today · 4.125%
HK$84,133
baseline
▲ 0.50% · 4.625%
HK$89,252
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,266/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,074
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,436
−HK$2,396/mo
Today · 4.125%
HK$92,832
baseline
▲ 0.50% · 4.625%
HK$97,726
+HK$4,894/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,664/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,363
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,236
−HK$2,919/mo
Today · 4.125%
HK$98,155
baseline
▲ 0.50% · 4.625%
HK$104,128
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,310/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,753
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,509
−HK$2,795/mo
Today · 4.125%
HK$108,304
baseline
▲ 0.50% · 4.625%
HK$114,013
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,608/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,753
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,446
−HK$3,753/mo
Today · 4.125%
HK$126,199
baseline
▲ 0.50% · 4.625%
HK$133,878
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,398/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,111
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,654
−HK$3,595/mo
Today · 4.125%
HK$139,249
baseline
▲ 0.50% · 4.625%
HK$146,589
+HK$7,340/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,498/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,634 · Scale 2, in force from 26 Feb 2026)