LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,981
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,034
−HK$2,085/mo
Today · 4.125%
HK$70,119
baseline
▲ 0.50% · 4.625%
HK$74,386
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,238/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,404
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,372
−HK$1,997/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$81,448
+HK$4,079/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,178
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,641
−HK$2,502/mo
Today · 4.125%
HK$84,143
baseline
▲ 0.50% · 4.625%
HK$89,263
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,286/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,084
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,447
−HK$2,396/mo
Today · 4.125%
HK$92,843
baseline
▲ 0.50% · 4.625%
HK$97,737
+HK$4,894/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,686/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,374
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,247
−HK$2,920/mo
Today · 4.125%
HK$98,167
baseline
▲ 0.50% · 4.625%
HK$104,140
+HK$5,973/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,334/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,765
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,521
−HK$2,796/mo
Today · 4.125%
HK$108,317
baseline
▲ 0.50% · 4.625%
HK$114,027
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,634/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,766
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,461
−HK$3,753/mo
Today · 4.125%
HK$126,214
baseline
▲ 0.50% · 4.625%
HK$133,894
+HK$7,680/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,428/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,127
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,670
−HK$3,595/mo
Today · 4.125%
HK$139,265
baseline
▲ 0.50% · 4.625%
HK$146,606
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,530/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,778 · Scale 2, in force from 26 Feb 2026)