LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,085
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,110
−HK$2,056/mo
Today · 4.125%
HK$69,166
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$4,209/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,332/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,406
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,348
−HK$1,970/mo
Today · 4.125%
HK$76,318
baseline
▲ 0.50% · 4.625%
HK$80,341
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,636/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,102
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,531
−HK$2,469/mo
Today · 4.125%
HK$83,000
baseline
▲ 0.50% · 4.625%
HK$88,050
+HK$5,050/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,000/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,888
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,218
−HK$2,364/mo
Today · 4.125%
HK$91,582
baseline
▲ 0.50% · 4.625%
HK$96,409
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,164/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,119
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,953
−HK$2,880/mo
Today · 4.125%
HK$96,833
baseline
▲ 0.50% · 4.625%
HK$102,725
+HK$5,892/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,666/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,369
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,088
−HK$2,758/mo
Today · 4.125%
HK$106,846
baseline
▲ 0.50% · 4.625%
HK$112,478
+HK$5,632/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,692/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,153
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,797
−HK$3,703/mo
Today · 4.125%
HK$124,500
baseline
▲ 0.50% · 4.625%
HK$132,075
+HK$7,575/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,000/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,332
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,827
−HK$3,546/mo
Today · 4.125%
HK$137,373
baseline
▲ 0.50% · 4.625%
HK$144,614
+HK$7,241/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,746/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,072 · Scale 2, in force from 26 Feb 2026)