LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,321
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,353
−HK$2,064/mo
Today · 4.125%
HK$69,417
baseline
▲ 0.50% · 4.625%
HK$73,641
+HK$4,224/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,834/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,669
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,618
−HK$1,977/mo
Today · 4.125%
HK$76,595
baseline
▲ 0.50% · 4.625%
HK$80,632
+HK$4,037/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,190/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,385
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,823
−HK$2,478/mo
Today · 4.125%
HK$83,301
baseline
▲ 0.50% · 4.625%
HK$88,369
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,602/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,203
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,541
−HK$2,373/mo
Today · 4.125%
HK$91,914
baseline
▲ 0.50% · 4.625%
HK$96,759
+HK$4,845/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,828/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,449
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,294
−HK$2,890/mo
Today · 4.125%
HK$97,184
baseline
▲ 0.50% · 4.625%
HK$103,097
+HK$5,913/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,368/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,736
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,465
−HK$2,768/mo
Today · 4.125%
HK$107,233
baseline
▲ 0.50% · 4.625%
HK$112,885
+HK$5,652/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,466/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,578
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,235
−HK$3,716/mo
Today · 4.125%
HK$124,951
baseline
▲ 0.50% · 4.625%
HK$132,554
+HK$7,603/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,902/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,804
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,312
−HK$3,559/mo
Today · 4.125%
HK$137,871
baseline
▲ 0.50% · 4.625%
HK$145,138
+HK$7,267/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,742/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,469 · Scale 2, in force from 26 Feb 2026)