LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,237
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,267
−HK$2,061/mo
Today · 4.125%
HK$69,328
baseline
▲ 0.50% · 4.625%
HK$73,547
+HK$4,219/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,656/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,576
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,522
−HK$1,975/mo
Today · 4.125%
HK$76,497
baseline
▲ 0.50% · 4.625%
HK$80,529
+HK$4,032/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,994/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,285
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,720
−HK$2,474/mo
Today · 4.125%
HK$83,194
baseline
▲ 0.50% · 4.625%
HK$88,256
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$166,388/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,091
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,427
−HK$2,369/mo
Today · 4.125%
HK$91,796
baseline
▲ 0.50% · 4.625%
HK$96,635
+HK$4,839/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$183,592/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,332
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,173
−HK$2,887/mo
Today · 4.125%
HK$97,060
baseline
▲ 0.50% · 4.625%
HK$102,966
+HK$5,906/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,120/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,606
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,331
−HK$2,765/mo
Today · 4.125%
HK$107,096
baseline
▲ 0.50% · 4.625%
HK$112,741
+HK$5,645/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,192/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,427
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,080
−HK$3,711/mo
Today · 4.125%
HK$124,791
baseline
▲ 0.50% · 4.625%
HK$132,384
+HK$7,593/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,582/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,637
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,140
−HK$3,555/mo
Today · 4.125%
HK$137,695
baseline
▲ 0.50% · 4.625%
HK$144,953
+HK$7,258/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,390/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,912 · Scale 2, in force from 26 Feb 2026)