LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,825
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,904
−HK$2,111/mo
Today · 4.125%
HK$71,015
baseline
▲ 0.50% · 4.625%
HK$75,337
+HK$4,322/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,030/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,342
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,336
−HK$2,023/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$82,489
+HK$4,130/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,190
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,684
−HK$2,535/mo
Today · 4.125%
HK$85,219
baseline
▲ 0.50% · 4.625%
HK$90,404
+HK$5,185/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,438/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,210
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,603
−HK$2,427/mo
Today · 4.125%
HK$94,030
baseline
▲ 0.50% · 4.625%
HK$98,987
+HK$4,957/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,060/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,555
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,465
−HK$2,957/mo
Today · 4.125%
HK$99,422
baseline
▲ 0.50% · 4.625%
HK$105,471
+HK$6,049/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,844/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,079
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,870
−HK$2,832/mo
Today · 4.125%
HK$109,702
baseline
▲ 0.50% · 4.625%
HK$115,484
+HK$5,782/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,404/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,285
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,026
−HK$3,802/mo
Today · 4.125%
HK$127,828
baseline
▲ 0.50% · 4.625%
HK$135,606
+HK$7,778/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,656/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,816
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,405
−HK$3,640/mo
Today · 4.125%
HK$141,045
baseline
▲ 0.50% · 4.625%
HK$148,480
+HK$7,435/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,090/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,500 · Scale 2, in force from 26 Feb 2026)