LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,223
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,252
−HK$2,061/mo
Today · 4.125%
HK$69,313
baseline
▲ 0.50% · 4.625%
HK$73,531
+HK$4,218/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,626/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,560
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,506
−HK$1,974/mo
Today · 4.125%
HK$76,480
baseline
▲ 0.50% · 4.625%
HK$80,512
+HK$4,032/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,960/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,268
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,473/mo
Today · 4.125%
HK$83,176
baseline
▲ 0.50% · 4.625%
HK$88,237
+HK$5,061/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,352/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,072
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,408
−HK$2,369/mo
Today · 4.125%
HK$91,777
baseline
▲ 0.50% · 4.625%
HK$96,614
+HK$4,837/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,554/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,313
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,153
−HK$2,886/mo
Today · 4.125%
HK$97,039
baseline
▲ 0.50% · 4.625%
HK$102,943
+HK$5,904/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,078/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,584
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,309
−HK$2,764/mo
Today · 4.125%
HK$107,073
baseline
▲ 0.50% · 4.625%
HK$112,717
+HK$5,644/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,146/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,402
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,054
−HK$3,710/mo
Today · 4.125%
HK$124,764
baseline
▲ 0.50% · 4.625%
HK$132,356
+HK$7,592/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$249,528/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,608
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,111
−HK$3,554/mo
Today · 4.125%
HK$137,665
baseline
▲ 0.50% · 4.625%
HK$144,921
+HK$7,256/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$275,330/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,649 · Scale 2, in force from 26 Feb 2026)