LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,074
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,098
−HK$2,056/mo
Today · 4.125%
HK$69,154
baseline
▲ 0.50% · 4.625%
HK$73,362
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,308/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,394
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,335
−HK$1,970/mo
Today · 4.125%
HK$76,305
baseline
▲ 0.50% · 4.625%
HK$80,327
+HK$4,022/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,610/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,088
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,517
−HK$2,468/mo
Today · 4.125%
HK$82,985
baseline
▲ 0.50% · 4.625%
HK$88,035
+HK$5,050/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$165,970/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,873
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,202
−HK$2,364/mo
Today · 4.125%
HK$91,566
baseline
▲ 0.50% · 4.625%
HK$96,393
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$183,132/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,103
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,937
−HK$2,879/mo
Today · 4.125%
HK$96,816
baseline
▲ 0.50% · 4.625%
HK$102,707
+HK$5,891/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,632/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,351
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,069
−HK$2,758/mo
Today · 4.125%
HK$106,827
baseline
▲ 0.50% · 4.625%
HK$112,458
+HK$5,631/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,654/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,133
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,776
−HK$3,702/mo
Today · 4.125%
HK$124,478
baseline
▲ 0.50% · 4.625%
HK$132,052
+HK$7,574/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,956/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,309
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,804
−HK$3,545/mo
Today · 4.125%
HK$137,349
baseline
▲ 0.50% · 4.625%
HK$144,589
+HK$7,240/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,698/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,860 · Scale 2, in force from 26 Feb 2026)