LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,021
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,043
−HK$2,055/mo
Today · 4.125%
HK$69,098
baseline
▲ 0.50% · 4.625%
HK$73,303
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,196/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,335
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,275
−HK$1,968/mo
Today · 4.125%
HK$76,243
baseline
▲ 0.50% · 4.625%
HK$80,262
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,486/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,025
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,452
−HK$2,466/mo
Today · 4.125%
HK$82,918
baseline
▲ 0.50% · 4.625%
HK$87,963
+HK$5,045/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,836/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,802
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,130
−HK$2,361/mo
Today · 4.125%
HK$91,491
baseline
▲ 0.50% · 4.625%
HK$96,314
+HK$4,823/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$182,982/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,029
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,860
−HK$2,877/mo
Today · 4.125%
HK$96,737
baseline
▲ 0.50% · 4.625%
HK$102,624
+HK$5,887/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,474/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,269
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,985
−HK$2,755/mo
Today · 4.125%
HK$106,740
baseline
▲ 0.50% · 4.625%
HK$112,366
+HK$5,626/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,480/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,037
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,678
−HK$3,698/mo
Today · 4.125%
HK$124,376
baseline
▲ 0.50% · 4.625%
HK$131,945
+HK$7,569/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,752/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,203
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,695
−HK$3,542/mo
Today · 4.125%
HK$137,237
baseline
▲ 0.50% · 4.625%
HK$144,471
+HK$7,234/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,474/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,872 · Scale 2, in force from 26 Feb 2026)