LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,460
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,496
−HK$2,069/mo
Today · 4.125%
HK$69,565
baseline
▲ 0.50% · 4.625%
HK$73,798
+HK$4,233/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,130/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,824
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,777
−HK$1,981/mo
Today · 4.125%
HK$76,758
baseline
▲ 0.50% · 4.625%
HK$80,804
+HK$4,046/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,516/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,552
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,995
−HK$2,483/mo
Today · 4.125%
HK$83,478
baseline
▲ 0.50% · 4.625%
HK$88,557
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,956/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,388
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,732
−HK$2,378/mo
Today · 4.125%
HK$92,110
baseline
▲ 0.50% · 4.625%
HK$96,965
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,220/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,644
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,495
−HK$2,896/mo
Today · 4.125%
HK$97,391
baseline
▲ 0.50% · 4.625%
HK$103,317
+HK$5,926/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,782/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,953
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,687
−HK$2,774/mo
Today · 4.125%
HK$107,461
baseline
▲ 0.50% · 4.625%
HK$113,126
+HK$5,665/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,922/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,828
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,493
−HK$3,724/mo
Today · 4.125%
HK$125,217
baseline
▲ 0.50% · 4.625%
HK$132,836
+HK$7,619/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,434/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,082
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,598
−HK$3,566/mo
Today · 4.125%
HK$138,164
baseline
▲ 0.50% · 4.625%
HK$145,447
+HK$7,283/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,328/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,059 · Scale 2, in force from 26 Feb 2026)