LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,075
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,099
−HK$2,057/mo
Today · 4.125%
HK$69,156
baseline
▲ 0.50% · 4.625%
HK$73,364
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,312/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,395
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,337
−HK$1,969/mo
Today · 4.125%
HK$76,306
baseline
▲ 0.50% · 4.625%
HK$80,329
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,612/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,090
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,519
−HK$2,468/mo
Today · 4.125%
HK$82,987
baseline
▲ 0.50% · 4.625%
HK$88,036
+HK$5,049/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$165,974/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,874
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,204
−HK$2,364/mo
Today · 4.125%
HK$91,568
baseline
▲ 0.50% · 4.625%
HK$96,394
+HK$4,826/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$183,136/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,105
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,939
−HK$2,879/mo
Today · 4.125%
HK$96,818
baseline
▲ 0.50% · 4.625%
HK$102,709
+HK$5,891/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,636/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,353
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,071
−HK$2,758/mo
Today · 4.125%
HK$106,829
baseline
▲ 0.50% · 4.625%
HK$112,460
+HK$5,631/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,658/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,135
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,778
−HK$3,702/mo
Today · 4.125%
HK$124,480
baseline
▲ 0.50% · 4.625%
HK$132,054
+HK$7,574/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,960/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,311
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,806
−HK$3,546/mo
Today · 4.125%
HK$137,352
baseline
▲ 0.50% · 4.625%
HK$144,592
+HK$7,240/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,704/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,882 · Scale 2, in force from 26 Feb 2026)