LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,120
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,146
−HK$2,058/mo
Today · 4.125%
HK$69,204
baseline
▲ 0.50% · 4.625%
HK$73,414
+HK$4,210/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,408/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,445
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,388
−HK$1,971/mo
Today · 4.125%
HK$76,359
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,718/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,144
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,575
−HK$2,469/mo
Today · 4.125%
HK$83,044
baseline
▲ 0.50% · 4.625%
HK$88,097
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,088/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,934
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,266
−HK$2,365/mo
Today · 4.125%
HK$91,631
baseline
▲ 0.50% · 4.625%
HK$96,461
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,262/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,168
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,004
−HK$2,881/mo
Today · 4.125%
HK$96,885
baseline
▲ 0.50% · 4.625%
HK$102,780
+HK$5,895/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,770/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,423
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,143
−HK$2,760/mo
Today · 4.125%
HK$106,903
baseline
▲ 0.50% · 4.625%
HK$112,538
+HK$5,635/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,806/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,216
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,862
−HK$3,704/mo
Today · 4.125%
HK$124,566
baseline
▲ 0.50% · 4.625%
HK$132,146
+HK$7,580/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,132/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,401
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,899
−HK$3,548/mo
Today · 4.125%
HK$137,447
baseline
▲ 0.50% · 4.625%
HK$144,692
+HK$7,245/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,894/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,722 · Scale 2, in force from 26 Feb 2026)