LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,039
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,062
−HK$2,056/mo
Today · 4.125%
HK$69,118
baseline
▲ 0.50% · 4.625%
HK$73,323
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,236/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,355
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,296
−HK$1,969/mo
Today · 4.125%
HK$76,265
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,020/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,530/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,047
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,475
−HK$2,466/mo
Today · 4.125%
HK$82,941
baseline
▲ 0.50% · 4.625%
HK$87,988
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,882/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,827
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,155
−HK$2,363/mo
Today · 4.125%
HK$91,518
baseline
▲ 0.50% · 4.625%
HK$96,342
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,036/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,055
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,887
−HK$2,878/mo
Today · 4.125%
HK$96,765
baseline
▲ 0.50% · 4.625%
HK$102,653
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,530/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,298
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,014
−HK$2,756/mo
Today · 4.125%
HK$106,770
baseline
▲ 0.50% · 4.625%
HK$112,399
+HK$5,629/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,540/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,071
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,712
−HK$3,700/mo
Today · 4.125%
HK$124,412
baseline
▲ 0.50% · 4.625%
HK$131,982
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,824/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,240
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,733
−HK$3,543/mo
Today · 4.125%
HK$137,276
baseline
▲ 0.50% · 4.625%
HK$144,512
+HK$7,236/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,552/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,218 · Scale 2, in force from 26 Feb 2026)