LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,026
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,049
−HK$2,055/mo
Today · 4.125%
HK$69,104
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,208/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,341
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$1,969/mo
Today · 4.125%
HK$76,250
baseline
▲ 0.50% · 4.625%
HK$80,269
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,500/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,032
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,459
−HK$2,466/mo
Today · 4.125%
HK$82,925
baseline
▲ 0.50% · 4.625%
HK$87,971
+HK$5,046/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,850/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,809
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,138
−HK$2,361/mo
Today · 4.125%
HK$91,499
baseline
▲ 0.50% · 4.625%
HK$96,323
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$182,998/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,037
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,869
−HK$2,877/mo
Today · 4.125%
HK$96,746
baseline
▲ 0.50% · 4.625%
HK$102,633
+HK$5,887/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$193,492/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,278
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,994
−HK$2,755/mo
Today · 4.125%
HK$106,749
baseline
▲ 0.50% · 4.625%
HK$112,376
+HK$5,627/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$213,498/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,047
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,688
−HK$3,699/mo
Today · 4.125%
HK$124,387
baseline
▲ 0.50% · 4.625%
HK$131,956
+HK$7,569/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,774/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,214
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,706
−HK$3,543/mo
Today · 4.125%
HK$137,249
baseline
▲ 0.50% · 4.625%
HK$144,484
+HK$7,235/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,498/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,979 · Scale 2, in force from 26 Feb 2026)