LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,042
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,065
−HK$2,055/mo
Today · 4.125%
HK$69,120
baseline
▲ 0.50% · 4.625%
HK$73,326
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,240/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,358
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,299
−HK$1,968/mo
Today · 4.125%
HK$76,267
baseline
▲ 0.50% · 4.625%
HK$80,288
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,534/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,050
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,478
−HK$2,466/mo
Today · 4.125%
HK$82,944
baseline
▲ 0.50% · 4.625%
HK$87,991
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,888/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,830
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,158
−HK$2,363/mo
Today · 4.125%
HK$91,521
baseline
▲ 0.50% · 4.625%
HK$96,345
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,042/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,058
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,891
−HK$2,877/mo
Today · 4.125%
HK$96,768
baseline
▲ 0.50% · 4.625%
HK$102,656
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,536/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,301
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,018
−HK$2,756/mo
Today · 4.125%
HK$106,774
baseline
▲ 0.50% · 4.625%
HK$112,403
+HK$5,629/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,548/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,075
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,716
−HK$3,700/mo
Today · 4.125%
HK$124,416
baseline
▲ 0.50% · 4.625%
HK$131,987
+HK$7,571/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,832/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,245
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,738
−HK$3,543/mo
Today · 4.125%
HK$137,281
baseline
▲ 0.50% · 4.625%
HK$144,518
+HK$7,237/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,562/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,262 · Scale 2, in force from 26 Feb 2026)