LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,303
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,335
−HK$2,064/mo
Today · 4.125%
HK$69,399
baseline
▲ 0.50% · 4.625%
HK$73,621
+HK$4,222/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,798/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,649
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,598
−HK$1,976/mo
Today · 4.125%
HK$76,574
baseline
▲ 0.50% · 4.625%
HK$80,611
+HK$4,037/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,148/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,364
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,802
−HK$2,476/mo
Today · 4.125%
HK$83,278
baseline
▲ 0.50% · 4.625%
HK$88,346
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$166,556/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,179
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,517
−HK$2,372/mo
Today · 4.125%
HK$91,889
baseline
▲ 0.50% · 4.625%
HK$96,733
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$183,778/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,425
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,269
−HK$2,889/mo
Today · 4.125%
HK$97,158
baseline
▲ 0.50% · 4.625%
HK$103,070
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,316/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,709
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,437
−HK$2,767/mo
Today · 4.125%
HK$107,204
baseline
▲ 0.50% · 4.625%
HK$112,855
+HK$5,651/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,408/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,546
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,203
−HK$3,714/mo
Today · 4.125%
HK$124,917
baseline
▲ 0.50% · 4.625%
HK$132,518
+HK$7,601/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,834/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,769
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,276
−HK$3,558/mo
Today · 4.125%
HK$137,834
baseline
▲ 0.50% · 4.625%
HK$145,099
+HK$7,265/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,668/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,143 · Scale 2, in force from 26 Feb 2026)