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$73,415
+HK$4,211/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$1,213,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,446
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,389
−HK$1,971/mo
Today · 4.125%
HK$76,360
baseline
▲ 0.50% · 4.625%
HK$80,385
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,720/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,144
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,575
−HK$2,470/mo
Today · 4.125%
HK$83,045
baseline
▲ 0.50% · 4.625%
HK$88,098
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,090/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,935
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,266
−HK$2,366/mo
Today · 4.125%
HK$91,632
baseline
▲ 0.50% · 4.625%
HK$96,462
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,264/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,728 · 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$102,781
+HK$5,896/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$1,213,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,424
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,144
−HK$2,760/mo
Today · 4.125%
HK$106,904
baseline
▲ 0.50% · 4.625%
HK$112,539
+HK$5,635/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,808/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,216
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,863
−HK$3,704/mo
Today · 4.125%
HK$124,567
baseline
▲ 0.50% · 4.625%
HK$132,147
+HK$7,580/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,134/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,402
−HK$7,045/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$1,213,728 · Scale 2, in force from 26 Feb 2026)