LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,306
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,338
−HK$2,063/mo
Today · 4.125%
HK$69,401
baseline
▲ 0.50% · 4.625%
HK$73,624
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,802/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,652
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,601
−HK$1,977/mo
Today · 4.125%
HK$76,578
baseline
▲ 0.50% · 4.625%
HK$80,614
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,156/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,367
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,805
−HK$2,477/mo
Today · 4.125%
HK$83,282
baseline
▲ 0.50% · 4.625%
HK$88,349
+HK$5,067/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$166,564/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,183
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,521
−HK$2,372/mo
Today · 4.125%
HK$91,893
baseline
▲ 0.50% · 4.625%
HK$96,737
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$183,786/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,429
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,273
−HK$2,889/mo
Today · 4.125%
HK$97,162
baseline
▲ 0.50% · 4.625%
HK$103,074
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,324/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,713
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,441
−HK$2,768/mo
Today · 4.125%
HK$107,209
baseline
▲ 0.50% · 4.625%
HK$112,860
+HK$5,651/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,418/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,551
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,208
−HK$3,715/mo
Today · 4.125%
HK$124,923
baseline
▲ 0.50% · 4.625%
HK$132,524
+HK$7,601/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,846/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,774
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,282
−HK$3,558/mo
Today · 4.125%
HK$137,840
baseline
▲ 0.50% · 4.625%
HK$145,105
+HK$7,265/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,680/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,194 · Scale 2, in force from 26 Feb 2026)