LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,291
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,322
−HK$2,063/mo
Today · 4.125%
HK$69,385
baseline
▲ 0.50% · 4.625%
HK$73,607
+HK$4,222/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,770/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,635
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,583
−HK$1,977/mo
Today · 4.125%
HK$76,560
baseline
▲ 0.50% · 4.625%
HK$80,595
+HK$4,035/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,120/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,349
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,786
−HK$2,476/mo
Today · 4.125%
HK$83,262
baseline
▲ 0.50% · 4.625%
HK$88,328
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,524/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,162
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,500
−HK$2,372/mo
Today · 4.125%
HK$91,872
baseline
▲ 0.50% · 4.625%
HK$96,714
+HK$4,842/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,744/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,407
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,250
−HK$2,889/mo
Today · 4.125%
HK$97,139
baseline
▲ 0.50% · 4.625%
HK$103,050
+HK$5,911/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,278/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,690
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,417
−HK$2,766/mo
Today · 4.125%
HK$107,183
baseline
▲ 0.50% · 4.625%
HK$112,833
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,366/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,523
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,179
−HK$3,714/mo
Today · 4.125%
HK$124,893
baseline
▲ 0.50% · 4.625%
HK$132,493
+HK$7,600/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,786/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,744
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,250
−HK$3,557/mo
Today · 4.125%
HK$137,807
baseline
▲ 0.50% · 4.625%
HK$145,071
+HK$7,264/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,614/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,907 · Scale 2, in force from 26 Feb 2026)