LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,036
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,059
−HK$2,055/mo
Today · 4.125%
HK$69,114
baseline
▲ 0.50% · 4.625%
HK$73,320
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,228/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,352
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,292
−HK$1,969/mo
Today · 4.125%
HK$76,261
baseline
▲ 0.50% · 4.625%
HK$80,281
+HK$4,020/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,522/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,043
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,471
−HK$2,466/mo
Today · 4.125%
HK$82,937
baseline
▲ 0.50% · 4.625%
HK$87,984
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,874/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,822
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,151
−HK$2,362/mo
Today · 4.125%
HK$91,513
baseline
▲ 0.50% · 4.625%
HK$96,337
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,026/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,050
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,883
−HK$2,877/mo
Today · 4.125%
HK$96,760
baseline
▲ 0.50% · 4.625%
HK$102,648
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$193,520/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,293
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,009
−HK$2,756/mo
Today · 4.125%
HK$106,765
baseline
▲ 0.50% · 4.625%
HK$112,393
+HK$5,628/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$213,530/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,065
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,706
−HK$3,700/mo
Today · 4.125%
HK$124,406
baseline
▲ 0.50% · 4.625%
HK$131,976
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,812/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,233
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,726
−HK$3,544/mo
Today · 4.125%
HK$137,270
baseline
▲ 0.50% · 4.625%
HK$144,505
+HK$7,235/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,540/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,158 · Scale 2, in force from 26 Feb 2026)