LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,286
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,316
−HK$2,064/mo
Today · 4.125%
HK$69,380
baseline
▲ 0.50% · 4.625%
HK$73,601
+HK$4,221/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,760/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,630
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,578
−HK$1,976/mo
Today · 4.125%
HK$76,554
baseline
▲ 0.50% · 4.625%
HK$80,589
+HK$4,035/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,108/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,343
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,780
−HK$2,476/mo
Today · 4.125%
HK$83,256
baseline
▲ 0.50% · 4.625%
HK$88,322
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,512/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,156
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,493
−HK$2,371/mo
Today · 4.125%
HK$91,864
baseline
▲ 0.50% · 4.625%
HK$96,707
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,728/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,400
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,243
−HK$2,889/mo
Today · 4.125%
HK$97,132
baseline
▲ 0.50% · 4.625%
HK$103,042
+HK$5,910/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,264/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,682
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,409
−HK$2,766/mo
Today · 4.125%
HK$107,175
baseline
▲ 0.50% · 4.625%
HK$112,824
+HK$5,649/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,350/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,514
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,170
−HK$3,713/mo
Today · 4.125%
HK$124,883
baseline
▲ 0.50% · 4.625%
HK$132,482
+HK$7,599/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,766/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,733
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,240
−HK$3,557/mo
Today · 4.125%
HK$137,797
baseline
▲ 0.50% · 4.625%
HK$145,060
+HK$7,263/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,594/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,812 · Scale 2, in force from 26 Feb 2026)