LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,984
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,036
−HK$2,086/mo
Today · 4.125%
HK$70,122
baseline
▲ 0.50% · 4.625%
HK$74,388
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,244/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,406
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$1,997/mo
Today · 4.125%
HK$77,372
baseline
▲ 0.50% · 4.625%
HK$81,451
+HK$4,079/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,744/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,181
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,644
−HK$2,502/mo
Today · 4.125%
HK$84,146
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$5,120/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,292/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,088
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,450
−HK$2,397/mo
Today · 4.125%
HK$92,847
baseline
▲ 0.50% · 4.625%
HK$97,741
+HK$4,894/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,694/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,377
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,251
−HK$2,919/mo
Today · 4.125%
HK$98,170
baseline
▲ 0.50% · 4.625%
HK$104,144
+HK$5,974/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,340/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,769
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,525
−HK$2,796/mo
Today · 4.125%
HK$108,321
baseline
▲ 0.50% · 4.625%
HK$114,031
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,642/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,771
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,465
−HK$3,754/mo
Today · 4.125%
HK$126,219
baseline
▲ 0.50% · 4.625%
HK$133,899
+HK$7,680/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,438/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,131
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,675
−HK$3,595/mo
Today · 4.125%
HK$139,270
baseline
▲ 0.50% · 4.625%
HK$146,611
+HK$7,341/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,540/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,824 · Scale 2, in force from 26 Feb 2026)