LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,448
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,484
−HK$2,068/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,784
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,810
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,763
−HK$1,981/mo
Today · 4.125%
HK$76,744
baseline
▲ 0.50% · 4.625%
HK$80,789
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,488/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,538
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,981
−HK$2,482/mo
Today · 4.125%
HK$83,463
baseline
▲ 0.50% · 4.625%
HK$88,541
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,926/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,372
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,716
−HK$2,377/mo
Today · 4.125%
HK$92,093
baseline
▲ 0.50% · 4.625%
HK$96,947
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,186/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,627
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,477
−HK$2,896/mo
Today · 4.125%
HK$97,373
baseline
▲ 0.50% · 4.625%
HK$103,298
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,746/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,934
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,668
−HK$2,774/mo
Today · 4.125%
HK$107,442
baseline
▲ 0.50% · 4.625%
HK$113,105
+HK$5,663/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,884/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,806
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$121,471
−HK$3,723/mo
Today · 4.125%
HK$125,194
baseline
▲ 0.50% · 4.625%
HK$132,812
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,388/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,058
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,573
−HK$3,566/mo
Today · 4.125%
HK$138,139
baseline
▲ 0.50% · 4.625%
HK$145,421
+HK$7,282/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,278/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,837 · Scale 2, in force from 26 Feb 2026)