LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,988
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,040
−HK$2,086/mo
Today · 4.125%
HK$70,126
baseline
▲ 0.50% · 4.625%
HK$74,393
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,252/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,411
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,379
−HK$1,998/mo
Today · 4.125%
HK$77,377
baseline
▲ 0.50% · 4.625%
HK$81,455
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,754/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,185
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,648
−HK$2,503/mo
Today · 4.125%
HK$84,151
baseline
▲ 0.50% · 4.625%
HK$89,271
+HK$5,120/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$168,302/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,093
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,455
−HK$2,397/mo
Today · 4.125%
HK$92,852
baseline
▲ 0.50% · 4.625%
HK$97,746
+HK$4,894/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$185,704/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,383
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,256
−HK$2,920/mo
Today · 4.125%
HK$98,176
baseline
▲ 0.50% · 4.625%
HK$104,150
+HK$5,974/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,352/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,775
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,531
−HK$2,796/mo
Today · 4.125%
HK$108,327
baseline
▲ 0.50% · 4.625%
HK$114,037
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,654/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,778
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,472
−HK$3,754/mo
Today · 4.125%
HK$126,226
baseline
▲ 0.50% · 4.625%
HK$133,907
+HK$7,681/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,452/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,139
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,683
−HK$3,595/mo
Today · 4.125%
HK$139,278
baseline
▲ 0.50% · 4.625%
HK$146,620
+HK$7,342/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,556/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,894 · Scale 2, in force from 26 Feb 2026)