LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,979
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,032
−HK$2,085/mo
Today · 4.125%
HK$70,117
baseline
▲ 0.50% · 4.625%
HK$74,383
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,234/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,401
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,370
−HK$1,997/mo
Today · 4.125%
HK$77,367
baseline
▲ 0.50% · 4.625%
HK$81,445
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,734/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,175
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,638
−HK$2,502/mo
Today · 4.125%
HK$84,140
baseline
▲ 0.50% · 4.625%
HK$89,260
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,280/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,082
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,444
−HK$2,397/mo
Today · 4.125%
HK$92,841
baseline
▲ 0.50% · 4.625%
HK$97,734
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,682/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,371
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,244
−HK$2,920/mo
Today · 4.125%
HK$98,164
baseline
▲ 0.50% · 4.625%
HK$104,137
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,328/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,762
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,518
−HK$2,796/mo
Today · 4.125%
HK$108,314
baseline
▲ 0.50% · 4.625%
HK$114,023
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,628/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,763
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,457
−HK$3,753/mo
Today · 4.125%
HK$126,210
baseline
▲ 0.50% · 4.625%
HK$133,890
+HK$7,680/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,420/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,123
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,666
−HK$3,595/mo
Today · 4.125%
HK$139,261
baseline
▲ 0.50% · 4.625%
HK$146,601
+HK$7,340/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,522/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,742 · Scale 2, in force from 26 Feb 2026)