LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,296
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,327
−HK$2,063/mo
Today · 4.125%
HK$69,390
baseline
▲ 0.50% · 4.625%
HK$73,613
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,780/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,641
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,589
−HK$1,977/mo
Today · 4.125%
HK$76,566
baseline
▲ 0.50% · 4.625%
HK$80,601
+HK$4,035/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,132/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,355
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,792
−HK$2,477/mo
Today · 4.125%
HK$83,269
baseline
▲ 0.50% · 4.625%
HK$88,335
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,538/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,169
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,507
−HK$2,372/mo
Today · 4.125%
HK$91,879
baseline
▲ 0.50% · 4.625%
HK$96,722
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,758/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,414
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,258
−HK$2,889/mo
Today · 4.125%
HK$97,147
baseline
▲ 0.50% · 4.625%
HK$103,058
+HK$5,911/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,294/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,697
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,425
−HK$2,767/mo
Today · 4.125%
HK$107,192
baseline
▲ 0.50% · 4.625%
HK$112,842
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,384/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,533
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,188
−HK$3,715/mo
Today · 4.125%
HK$124,903
baseline
▲ 0.50% · 4.625%
HK$132,503
+HK$7,600/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,806/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,754
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,261
−HK$3,557/mo
Today · 4.125%
HK$137,818
baseline
▲ 0.50% · 4.625%
HK$145,083
+HK$7,265/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,636/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,001 · Scale 2, in force from 26 Feb 2026)