LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,447
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,483
−HK$2,068/mo
Today · 4.125%
HK$69,551
baseline
▲ 0.50% · 4.625%
HK$73,783
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,102/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,809
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,762
−HK$1,981/mo
Today · 4.125%
HK$76,743
baseline
▲ 0.50% · 4.625%
HK$80,788
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,486/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,537
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,980
−HK$2,482/mo
Today · 4.125%
HK$83,462
baseline
▲ 0.50% · 4.625%
HK$88,540
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,924/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,371
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,714
−HK$2,378/mo
Today · 4.125%
HK$92,092
baseline
▲ 0.50% · 4.625%
HK$96,946
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,184/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,626
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,476
−HK$2,896/mo
Today · 4.125%
HK$97,372
baseline
▲ 0.50% · 4.625%
HK$103,297
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,744/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,933
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,667
−HK$2,773/mo
Today · 4.125%
HK$107,440
baseline
▲ 0.50% · 4.625%
HK$113,103
+HK$5,663/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,880/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,805
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,469
−HK$3,723/mo
Today · 4.125%
HK$125,192
baseline
▲ 0.50% · 4.625%
HK$132,810
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,384/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,057
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,572
−HK$3,565/mo
Today · 4.125%
HK$138,137
baseline
▲ 0.50% · 4.625%
HK$145,419
+HK$7,282/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,274/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,822 · Scale 2, in force from 26 Feb 2026)