LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,298
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,329
−HK$2,064/mo
Today · 4.125%
HK$69,393
baseline
▲ 0.50% · 4.625%
HK$73,615
+HK$4,222/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,786/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,643
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,592
−HK$1,976/mo
Today · 4.125%
HK$76,568
baseline
▲ 0.50% · 4.625%
HK$80,604
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,136/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,358
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,795
−HK$2,476/mo
Today · 4.125%
HK$83,271
baseline
▲ 0.50% · 4.625%
HK$88,338
+HK$5,067/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,542/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,172
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,510
−HK$2,372/mo
Today · 4.125%
HK$91,882
baseline
▲ 0.50% · 4.625%
HK$96,725
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,764/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,417
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,261
−HK$2,889/mo
Today · 4.125%
HK$97,150
baseline
▲ 0.50% · 4.625%
HK$103,061
+HK$5,911/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,300/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,701
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,428
−HK$2,767/mo
Today · 4.125%
HK$107,195
baseline
▲ 0.50% · 4.625%
HK$112,846
+HK$5,651/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,390/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,536
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,192
−HK$3,715/mo
Today · 4.125%
HK$124,907
baseline
▲ 0.50% · 4.625%
HK$132,507
+HK$7,600/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,814/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,758
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,265
−HK$3,558/mo
Today · 4.125%
HK$137,823
baseline
▲ 0.50% · 4.625%
HK$145,087
+HK$7,264/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,646/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,041 · Scale 2, in force from 26 Feb 2026)