LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,989
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,041
−HK$2,086/mo
Today · 4.125%
HK$70,127
baseline
▲ 0.50% · 4.625%
HK$74,394
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,254/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,412
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,380
−HK$1,998/mo
Today · 4.125%
HK$77,378
baseline
▲ 0.50% · 4.625%
HK$81,456
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,756/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,186
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,649
−HK$2,503/mo
Today · 4.125%
HK$84,152
baseline
▲ 0.50% · 4.625%
HK$89,272
+HK$5,120/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$168,304/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,094
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,457
−HK$2,396/mo
Today · 4.125%
HK$92,853
baseline
▲ 0.50% · 4.625%
HK$97,748
+HK$4,895/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$185,706/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,384
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,258
−HK$2,919/mo
Today · 4.125%
HK$98,177
baseline
▲ 0.50% · 4.625%
HK$104,151
+HK$5,974/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,354/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,776
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,533
−HK$2,796/mo
Today · 4.125%
HK$108,329
baseline
▲ 0.50% · 4.625%
HK$114,039
+HK$5,710/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,658/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,779
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,474
−HK$3,754/mo
Today · 4.125%
HK$126,228
baseline
▲ 0.50% · 4.625%
HK$133,909
+HK$7,681/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,456/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,141
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,685
−HK$3,595/mo
Today · 4.125%
HK$139,280
baseline
▲ 0.50% · 4.625%
HK$146,622
+HK$7,342/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,560/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,912 · Scale 2, in force from 26 Feb 2026)