LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,615
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,656
−HK$2,074/mo
Today · 4.125%
HK$69,730
baseline
▲ 0.50% · 4.625%
HK$73,973
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,460/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,996
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,954
−HK$1,986/mo
Today · 4.125%
HK$76,940
baseline
▲ 0.50% · 4.625%
HK$80,995
+HK$4,055/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,880/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,738
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,187
−HK$2,489/mo
Today · 4.125%
HK$83,676
baseline
▲ 0.50% · 4.625%
HK$88,767
+HK$5,091/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,352/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,595
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,945
−HK$2,383/mo
Today · 4.125%
HK$92,328
baseline
▲ 0.50% · 4.625%
HK$97,195
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,656/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,861
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,718
−HK$2,904/mo
Today · 4.125%
HK$97,622
baseline
▲ 0.50% · 4.625%
HK$103,562
+HK$5,940/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,244/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,195
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,935
−HK$2,781/mo
Today · 4.125%
HK$107,716
baseline
▲ 0.50% · 4.625%
HK$113,394
+HK$5,678/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,432/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,107
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,781
−HK$3,732/mo
Today · 4.125%
HK$125,513
baseline
▲ 0.50% · 4.625%
HK$133,151
+HK$7,638/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,026/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,393
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$134,917
−HK$3,575/mo
Today · 4.125%
HK$138,492
baseline
▲ 0.50% · 4.625%
HK$145,792
+HK$7,300/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$276,984/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,951 · Scale 2, in force from 26 Feb 2026)