LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,131
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,157
−HK$2,059/mo
Today · 4.125%
HK$69,216
baseline
▲ 0.50% · 4.625%
HK$73,427
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,432/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,458
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,401
−HK$1,972/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$80,399
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,158
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,470/mo
Today · 4.125%
HK$83,059
baseline
▲ 0.50% · 4.625%
HK$88,113
+HK$5,054/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,118/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,950
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,282
−HK$2,365/mo
Today · 4.125%
HK$91,647
baseline
▲ 0.50% · 4.625%
HK$96,478
+HK$4,831/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,294/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,184
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,020
−HK$2,882/mo
Today · 4.125%
HK$96,902
baseline
▲ 0.50% · 4.625%
HK$102,798
+HK$5,896/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,804/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,441
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,162
−HK$2,760/mo
Today · 4.125%
HK$106,922
baseline
▲ 0.50% · 4.625%
HK$112,558
+HK$5,636/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,844/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,237
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,883
−HK$3,705/mo
Today · 4.125%
HK$124,588
baseline
▲ 0.50% · 4.625%
HK$132,169
+HK$7,581/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,176/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,425
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,923
−HK$3,548/mo
Today · 4.125%
HK$137,471
baseline
▲ 0.50% · 4.625%
HK$144,717
+HK$7,246/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,942/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,938 · Scale 2, in force from 26 Feb 2026)