LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,977
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,029
−HK$2,085/mo
Today · 4.125%
HK$70,114
baseline
▲ 0.50% · 4.625%
HK$74,381
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,228/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,399
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,367
−HK$1,997/mo
Today · 4.125%
HK$77,364
baseline
▲ 0.50% · 4.625%
HK$81,442
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,728/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,173
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,635
−HK$2,502/mo
Today · 4.125%
HK$84,137
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,274/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,079
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,441
−HK$2,396/mo
Today · 4.125%
HK$92,837
baseline
▲ 0.50% · 4.625%
HK$97,731
+HK$4,894/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,674/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,368
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,241
−HK$2,919/mo
Today · 4.125%
HK$98,160
baseline
▲ 0.50% · 4.625%
HK$104,133
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,320/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,758
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,514
−HK$2,796/mo
Today · 4.125%
HK$108,310
baseline
▲ 0.50% · 4.625%
HK$114,019
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,620/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,759
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,453
−HK$3,753/mo
Today · 4.125%
HK$126,206
baseline
▲ 0.50% · 4.625%
HK$133,885
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,412/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,118
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,661
−HK$3,595/mo
Today · 4.125%
HK$139,256
baseline
▲ 0.50% · 4.625%
HK$146,596
+HK$7,340/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,512/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,699 · Scale 2, in force from 26 Feb 2026)