LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,087
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,112
−HK$2,057/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$73,378
+HK$4,209/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,409
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,351
−HK$1,970/mo
Today · 4.125%
HK$76,321
baseline
▲ 0.50% · 4.625%
HK$80,344
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,642/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,105
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,534
−HK$2,469/mo
Today · 4.125%
HK$83,003
baseline
▲ 0.50% · 4.625%
HK$88,053
+HK$5,050/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,006/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,891
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,221
−HK$2,364/mo
Today · 4.125%
HK$91,585
baseline
▲ 0.50% · 4.625%
HK$96,413
+HK$4,828/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,170/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,122
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,957
−HK$2,879/mo
Today · 4.125%
HK$96,836
baseline
▲ 0.50% · 4.625%
HK$102,729
+HK$5,893/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,672/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,373
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,091
−HK$2,758/mo
Today · 4.125%
HK$106,849
baseline
▲ 0.50% · 4.625%
HK$112,482
+HK$5,633/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,698/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,157
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,801
−HK$3,703/mo
Today · 4.125%
HK$124,504
baseline
▲ 0.50% · 4.625%
HK$132,080
+HK$7,576/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,008/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,336
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,832
−HK$3,546/mo
Today · 4.125%
HK$137,378
baseline
▲ 0.50% · 4.625%
HK$144,619
+HK$7,241/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,756/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,115 · Scale 2, in force from 26 Feb 2026)