LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,382
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,416
−HK$2,066/mo
Today · 4.125%
HK$69,482
baseline
▲ 0.50% · 4.625%
HK$73,710
+HK$4,228/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$138,964/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,737
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,687
−HK$1,979/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$80,708
+HK$4,042/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,458
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,899
−HK$2,479/mo
Today · 4.125%
HK$83,378
baseline
▲ 0.50% · 4.625%
HK$88,452
+HK$5,074/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,756/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,284
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,625
−HK$2,375/mo
Today · 4.125%
HK$92,000
baseline
▲ 0.50% · 4.625%
HK$96,849
+HK$4,849/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$184,000/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,535
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,382
−HK$2,893/mo
Today · 4.125%
HK$97,275
baseline
▲ 0.50% · 4.625%
HK$103,194
+HK$5,919/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,550/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,831
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,562
−HK$2,771/mo
Today · 4.125%
HK$107,333
baseline
▲ 0.50% · 4.625%
HK$112,991
+HK$5,658/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,666/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,687
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,348
−HK$3,719/mo
Today · 4.125%
HK$125,067
baseline
▲ 0.50% · 4.625%
HK$132,677
+HK$7,610/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,134/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,926
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$134,437
−HK$3,563/mo
Today · 4.125%
HK$138,000
baseline
▲ 0.50% · 4.625%
HK$145,274
+HK$7,274/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$276,000/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,604 · Scale 2, in force from 26 Feb 2026)