LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,241
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,270
−HK$2,062/mo
Today · 4.125%
HK$69,332
baseline
▲ 0.50% · 4.625%
HK$73,551
+HK$4,219/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,664/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,580
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,527
−HK$1,974/mo
Today · 4.125%
HK$76,501
baseline
▲ 0.50% · 4.625%
HK$80,534
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,002/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,289
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,724
−HK$2,475/mo
Today · 4.125%
HK$83,199
baseline
▲ 0.50% · 4.625%
HK$88,261
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$166,398/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,096
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,432
−HK$2,369/mo
Today · 4.125%
HK$91,801
baseline
▲ 0.50% · 4.625%
HK$96,640
+HK$4,839/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$183,602/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,337
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,179
−HK$2,886/mo
Today · 4.125%
HK$97,065
baseline
▲ 0.50% · 4.625%
HK$102,971
+HK$5,906/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,130/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,612
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,337
−HK$2,765/mo
Today · 4.125%
HK$107,102
baseline
▲ 0.50% · 4.625%
HK$112,747
+HK$5,645/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,204/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,434
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,087
−HK$3,711/mo
Today · 4.125%
HK$124,798
baseline
▲ 0.50% · 4.625%
HK$132,392
+HK$7,594/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,596/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,644
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$134,148
−HK$3,554/mo
Today · 4.125%
HK$137,702
baseline
▲ 0.50% · 4.625%
HK$144,961
+HK$7,259/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,404/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,979 · Scale 2, in force from 26 Feb 2026)