LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,288
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,319
−HK$2,063/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,604
+HK$4,222/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$1,216,857 · 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$80,592
+HK$4,036/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$1,216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,346
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,783
−HK$2,476/mo
Today · 4.125%
HK$83,259
baseline
▲ 0.50% · 4.625%
HK$88,325
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,518/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,159
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,496
−HK$2,372/mo
Today · 4.125%
HK$91,868
baseline
▲ 0.50% · 4.625%
HK$96,710
+HK$4,842/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,736/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,403
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,247
−HK$2,888/mo
Today · 4.125%
HK$97,135
baseline
▲ 0.50% · 4.625%
HK$103,046
+HK$5,911/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,270/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,685
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,412
−HK$2,767/mo
Today · 4.125%
HK$107,179
baseline
▲ 0.50% · 4.625%
HK$112,829
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,358/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,519
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,174
−HK$3,714/mo
Today · 4.125%
HK$124,888
baseline
▲ 0.50% · 4.625%
HK$132,487
+HK$7,599/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,776/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,738
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,245
−HK$3,557/mo
Today · 4.125%
HK$137,802
baseline
▲ 0.50% · 4.625%
HK$145,065
+HK$7,263/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,604/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,857 · Scale 2, in force from 26 Feb 2026)