LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,496
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,533
−HK$2,070/mo
Today · 4.125%
HK$69,603
baseline
▲ 0.50% · 4.625%
HK$73,838
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,206/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,863
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,817
−HK$1,983/mo
Today · 4.125%
HK$76,800
baseline
▲ 0.50% · 4.625%
HK$80,848
+HK$4,048/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,600/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,595
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,040
−HK$2,483/mo
Today · 4.125%
HK$83,523
baseline
▲ 0.50% · 4.625%
HK$88,606
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,046/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,436
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,781
−HK$2,379/mo
Today · 4.125%
HK$92,160
baseline
▲ 0.50% · 4.625%
HK$97,018
+HK$4,858/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,320/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,694
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,546
−HK$2,898/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$103,373
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,009
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,744
−HK$2,776/mo
Today · 4.125%
HK$107,520
baseline
▲ 0.50% · 4.625%
HK$113,187
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,040/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,892
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,559
−HK$3,726/mo
Today · 4.125%
HK$125,285
baseline
▲ 0.50% · 4.625%
HK$132,908
+HK$7,623/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,570/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,154
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,671
−HK$3,569/mo
Today · 4.125%
HK$138,240
baseline
▲ 0.50% · 4.625%
HK$145,527
+HK$7,287/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,480/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,726 · Scale 2, in force from 26 Feb 2026)