LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,052
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,076
−HK$2,056/mo
Today · 4.125%
HK$69,132
baseline
▲ 0.50% · 4.625%
HK$73,338
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,264/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,370
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,311
−HK$1,969/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,301
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,063
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,491
−HK$2,467/mo
Today · 4.125%
HK$82,958
baseline
▲ 0.50% · 4.625%
HK$88,006
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,916/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,844
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,173
−HK$2,363/mo
Today · 4.125%
HK$91,536
baseline
▲ 0.50% · 4.625%
HK$96,361
+HK$4,825/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,072/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,073
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,906
−HK$2,878/mo
Today · 4.125%
HK$96,784
baseline
▲ 0.50% · 4.625%
HK$102,673
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,568/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,318
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,035
−HK$2,757/mo
Today · 4.125%
HK$106,792
baseline
▲ 0.50% · 4.625%
HK$112,421
+HK$5,629/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,584/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,094
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,736
−HK$3,701/mo
Today · 4.125%
HK$124,437
baseline
▲ 0.50% · 4.625%
HK$132,009
+HK$7,572/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,874/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,266
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,760
−HK$3,544/mo
Today · 4.125%
HK$137,304
baseline
▲ 0.50% · 4.625%
HK$144,541
+HK$7,237/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,608/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,462 · Scale 2, in force from 26 Feb 2026)