LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,453
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,489
−HK$2,068/mo
Today · 4.125%
HK$69,557
baseline
▲ 0.50% · 4.625%
HK$73,790
+HK$4,233/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,114/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,816
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,768
−HK$1,982/mo
Today · 4.125%
HK$76,750
baseline
▲ 0.50% · 4.625%
HK$80,795
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,500/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,543
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,986
−HK$2,483/mo
Today · 4.125%
HK$83,469
baseline
▲ 0.50% · 4.625%
HK$88,548
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,938/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,379
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,722
−HK$2,377/mo
Today · 4.125%
HK$92,099
baseline
▲ 0.50% · 4.625%
HK$96,954
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,198/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,634
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,484
−HK$2,896/mo
Today · 4.125%
HK$97,380
baseline
▲ 0.50% · 4.625%
HK$103,305
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,760/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,942
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,676
−HK$2,773/mo
Today · 4.125%
HK$107,449
baseline
▲ 0.50% · 4.625%
HK$113,113
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,898/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,815
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$121,480
−HK$3,723/mo
Today · 4.125%
HK$125,203
baseline
▲ 0.50% · 4.625%
HK$132,821
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,406/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,068
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,583
−HK$3,566/mo
Today · 4.125%
HK$138,149
baseline
▲ 0.50% · 4.625%
HK$145,431
+HK$7,282/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,298/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,925 · Scale 2, in force from 26 Feb 2026)