LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,311
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,343
−HK$2,064/mo
Today · 4.125%
HK$69,407
baseline
▲ 0.50% · 4.625%
HK$73,630
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,814/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,658
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,606
−HK$1,977/mo
Today · 4.125%
HK$76,583
baseline
▲ 0.50% · 4.625%
HK$80,620
+HK$4,037/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,166/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,373
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,811
−HK$2,477/mo
Today · 4.125%
HK$83,288
baseline
▲ 0.50% · 4.625%
HK$88,356
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,576/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,189
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,528
−HK$2,372/mo
Today · 4.125%
HK$91,900
baseline
▲ 0.50% · 4.625%
HK$96,744
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,800/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,435
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,280
−HK$2,889/mo
Today · 4.125%
HK$97,169
baseline
▲ 0.50% · 4.625%
HK$103,082
+HK$5,913/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,338/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,721
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,449
−HK$2,768/mo
Today · 4.125%
HK$107,217
baseline
▲ 0.50% · 4.625%
HK$112,868
+HK$5,651/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,434/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,560
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,217
−HK$3,715/mo
Today · 4.125%
HK$124,932
baseline
▲ 0.50% · 4.625%
HK$132,534
+HK$7,602/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,864/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,784
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,292
−HK$3,558/mo
Today · 4.125%
HK$137,850
baseline
▲ 0.50% · 4.625%
HK$145,116
+HK$7,266/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,700/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,284 · Scale 2, in force from 26 Feb 2026)