LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,430
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,466
−HK$2,067/mo
Today · 4.125%
HK$69,533
baseline
▲ 0.50% · 4.625%
HK$73,764
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,066/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,791
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,743
−HK$1,980/mo
Today · 4.125%
HK$76,723
baseline
▲ 0.50% · 4.625%
HK$80,768
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,446/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,959
−HK$2,481/mo
Today · 4.125%
HK$83,440
baseline
▲ 0.50% · 4.625%
HK$88,517
+HK$5,077/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,880/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,349
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,691
−HK$2,377/mo
Today · 4.125%
HK$92,068
baseline
▲ 0.50% · 4.625%
HK$96,921
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,136/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,603
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,452
−HK$2,895/mo
Today · 4.125%
HK$97,347
baseline
▲ 0.50% · 4.625%
HK$103,270
+HK$5,923/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,694/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,907
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,640
−HK$2,773/mo
Today · 4.125%
HK$107,413
baseline
▲ 0.50% · 4.625%
HK$113,075
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,826/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,775
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$121,438
−HK$3,722/mo
Today · 4.125%
HK$125,160
baseline
▲ 0.50% · 4.625%
HK$132,776
+HK$7,616/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,320/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,023
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$134,537
−HK$3,565/mo
Today · 4.125%
HK$138,102
baseline
▲ 0.50% · 4.625%
HK$145,382
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,204/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,509 · Scale 2, in force from 26 Feb 2026)