LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,457
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,493
−HK$2,069/mo
Today · 4.125%
HK$69,562
baseline
▲ 0.50% · 4.625%
HK$73,794
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,124/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,820
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,773
−HK$1,981/mo
Today · 4.125%
HK$76,754
baseline
▲ 0.50% · 4.625%
HK$80,800
+HK$4,046/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,508/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,548
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,991
−HK$2,483/mo
Today · 4.125%
HK$83,474
baseline
▲ 0.50% · 4.625%
HK$88,553
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,948/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,384
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,728
−HK$2,377/mo
Today · 4.125%
HK$92,105
baseline
▲ 0.50% · 4.625%
HK$96,960
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,210/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,640
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,490
−HK$2,896/mo
Today · 4.125%
HK$97,386
baseline
▲ 0.50% · 4.625%
HK$103,312
+HK$5,926/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,772/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,948
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,682
−HK$2,774/mo
Today · 4.125%
HK$107,456
baseline
▲ 0.50% · 4.625%
HK$113,120
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,912/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,822
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,487
−HK$3,724/mo
Today · 4.125%
HK$125,211
baseline
▲ 0.50% · 4.625%
HK$132,830
+HK$7,619/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,422/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,076
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,591
−HK$3,567/mo
Today · 4.125%
HK$138,158
baseline
▲ 0.50% · 4.625%
HK$145,440
+HK$7,282/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,316/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,001 · Scale 2, in force from 26 Feb 2026)