LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,068
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$2,056/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,387
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,329
−HK$1,969/mo
Today · 4.125%
HK$76,298
baseline
▲ 0.50% · 4.625%
HK$80,320
+HK$4,022/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,596/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,082
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,510
−HK$2,468/mo
Today · 4.125%
HK$82,978
baseline
▲ 0.50% · 4.625%
HK$88,027
+HK$5,049/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,956/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,865
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,195
−HK$2,363/mo
Today · 4.125%
HK$91,558
baseline
▲ 0.50% · 4.625%
HK$96,384
+HK$4,826/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,116/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,095
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,929
−HK$2,879/mo
Today · 4.125%
HK$96,808
baseline
▲ 0.50% · 4.625%
HK$102,698
+HK$5,890/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,616/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,342
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,060
−HK$2,758/mo
Today · 4.125%
HK$106,818
baseline
▲ 0.50% · 4.625%
HK$112,448
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,636/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,122
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,766
−HK$3,701/mo
Today · 4.125%
HK$124,467
baseline
▲ 0.50% · 4.625%
HK$132,040
+HK$7,573/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,934/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,297
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,792
−HK$3,545/mo
Today · 4.125%
HK$137,337
baseline
▲ 0.50% · 4.625%
HK$144,576
+HK$7,239/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,674/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,754 · Scale 2, in force from 26 Feb 2026)