LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,288
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,318
−HK$2,064/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$4,221/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,764/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,632
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,580
−HK$1,976/mo
Today · 4.125%
HK$76,556
baseline
▲ 0.50% · 4.625%
HK$80,591
+HK$4,035/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,112/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,345
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,782
−HK$2,476/mo
Today · 4.125%
HK$83,258
baseline
▲ 0.50% · 4.625%
HK$88,324
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,516/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,158
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,496
−HK$2,371/mo
Today · 4.125%
HK$91,867
baseline
▲ 0.50% · 4.625%
HK$96,710
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,734/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,403
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,246
−HK$2,888/mo
Today · 4.125%
HK$97,134
baseline
▲ 0.50% · 4.625%
HK$103,045
+HK$5,911/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,268/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,685
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,412
−HK$2,766/mo
Today · 4.125%
HK$107,178
baseline
▲ 0.50% · 4.625%
HK$112,828
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,356/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,518
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,173
−HK$3,714/mo
Today · 4.125%
HK$124,887
baseline
▲ 0.50% · 4.625%
HK$132,486
+HK$7,599/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,774/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,737
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,244
−HK$3,557/mo
Today · 4.125%
HK$137,801
baseline
▲ 0.50% · 4.625%
HK$145,064
+HK$7,263/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,602/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,848 · Scale 2, in force from 26 Feb 2026)