LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,272
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,303
−HK$2,063/mo
Today · 4.125%
HK$69,366
baseline
▲ 0.50% · 4.625%
HK$73,586
+HK$4,220/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,732/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,615
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,562
−HK$1,976/mo
Today · 4.125%
HK$76,538
baseline
▲ 0.50% · 4.625%
HK$80,573
+HK$4,035/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,076/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,327
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,763
−HK$2,476/mo
Today · 4.125%
HK$83,239
baseline
▲ 0.50% · 4.625%
HK$88,304
+HK$5,065/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,478/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,138
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,475
−HK$2,371/mo
Today · 4.125%
HK$91,846
baseline
▲ 0.50% · 4.625%
HK$96,687
+HK$4,841/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,692/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,381
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,224
−HK$2,888/mo
Today · 4.125%
HK$97,112
baseline
▲ 0.50% · 4.625%
HK$103,021
+HK$5,909/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,224/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,661
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,387
−HK$2,766/mo
Today · 4.125%
HK$107,153
baseline
▲ 0.50% · 4.625%
HK$112,802
+HK$5,649/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,306/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,490
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,145
−HK$3,713/mo
Today · 4.125%
HK$124,858
baseline
▲ 0.50% · 4.625%
HK$132,455
+HK$7,597/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,716/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,707
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,212
−HK$3,557/mo
Today · 4.125%
HK$137,769
baseline
▲ 0.50% · 4.625%
HK$145,031
+HK$7,262/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,538/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,565 · Scale 2, in force from 26 Feb 2026)