LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,978
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,030
−HK$2,085/mo
Today · 4.125%
HK$70,115
baseline
▲ 0.50% · 4.625%
HK$74,381
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,230/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,399
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,368
−HK$1,997/mo
Today · 4.125%
HK$77,365
baseline
▲ 0.50% · 4.625%
HK$81,443
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,730/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,173
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,636
−HK$2,502/mo
Today · 4.125%
HK$84,138
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,276/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,079
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,441
−HK$2,397/mo
Today · 4.125%
HK$92,838
baseline
▲ 0.50% · 4.625%
HK$97,731
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,676/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,369
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,242
−HK$2,919/mo
Today · 4.125%
HK$98,161
baseline
▲ 0.50% · 4.625%
HK$104,134
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,322/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,759
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,515
−HK$2,796/mo
Today · 4.125%
HK$108,311
baseline
▲ 0.50% · 4.625%
HK$114,020
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,622/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,760
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,454
−HK$3,753/mo
Today · 4.125%
HK$126,207
baseline
▲ 0.50% · 4.625%
HK$133,886
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,414/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,119
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,662
−HK$3,595/mo
Today · 4.125%
HK$139,257
baseline
▲ 0.50% · 4.625%
HK$146,597
+HK$7,340/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,514/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,707 · Scale 2, in force from 26 Feb 2026)