LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,995
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,048
−HK$2,086/mo
Today · 4.125%
HK$70,134
baseline
▲ 0.50% · 4.625%
HK$74,401
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,268/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,419
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$1,998/mo
Today · 4.125%
HK$77,386
baseline
▲ 0.50% · 4.625%
HK$81,465
+HK$4,079/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,772/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,194
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,658
−HK$2,503/mo
Today · 4.125%
HK$84,161
baseline
▲ 0.50% · 4.625%
HK$89,282
+HK$5,121/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$168,322/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,103
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,466
−HK$2,397/mo
Today · 4.125%
HK$92,863
baseline
▲ 0.50% · 4.625%
HK$97,758
+HK$4,895/mo
Deposit HK$11.58M · loan HK$17.37M · min. income ≈ HK$185,726/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,394
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,267
−HK$2,920/mo
Today · 4.125%
HK$98,187
baseline
▲ 0.50% · 4.625%
HK$104,162
+HK$5,975/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,374/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,787
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,544
−HK$2,796/mo
Today · 4.125%
HK$108,340
baseline
▲ 0.50% · 4.625%
HK$114,051
+HK$5,711/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,680/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,792
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,487
−HK$3,754/mo
Today · 4.125%
HK$126,241
baseline
▲ 0.50% · 4.625%
HK$133,922
+HK$7,681/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,482/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,155
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$135,699
−HK$3,595/mo
Today · 4.125%
HK$139,294
baseline
▲ 0.50% · 4.625%
HK$146,637
+HK$7,343/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,588/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,039 · Scale 2, in force from 26 Feb 2026)