LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,700
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,744
−HK$2,076/mo
Today · 4.125%
HK$69,820
baseline
▲ 0.50% · 4.625%
HK$74,068
+HK$4,248/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,640/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,090
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,051
−HK$1,988/mo
Today · 4.125%
HK$77,039
baseline
▲ 0.50% · 4.625%
HK$81,100
+HK$4,061/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,078/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,840
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,292
−HK$2,492/mo
Today · 4.125%
HK$83,784
baseline
▲ 0.50% · 4.625%
HK$88,882
+HK$5,098/mo
Deposit HK$11.52M · loan HK$17.29M · min. income ≈ HK$167,568/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,709
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,061
−HK$2,386/mo
Today · 4.125%
HK$92,447
baseline
▲ 0.50% · 4.625%
HK$97,320
+HK$4,873/mo
Deposit HK$11.52M · loan HK$17.29M · min. income ≈ HK$184,894/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,980
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,841
−HK$2,907/mo
Today · 4.125%
HK$97,748
baseline
▲ 0.50% · 4.625%
HK$103,696
+HK$5,948/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$195,496/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,327
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$105,071
−HK$2,784/mo
Today · 4.125%
HK$107,855
baseline
▲ 0.50% · 4.625%
HK$113,540
+HK$5,685/mo
Deposit HK$8.64M · loan HK$20.17M · min. income ≈ HK$215,710/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,260
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,938
−HK$3,738/mo
Today · 4.125%
HK$125,676
baseline
▲ 0.50% · 4.625%
HK$133,323
+HK$7,647/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$251,352/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,563
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$135,091
−HK$3,580/mo
Today · 4.125%
HK$138,671
baseline
▲ 0.50% · 4.625%
HK$145,980
+HK$7,309/mo
Deposit HK$2.88M · loan HK$25.93M · min. income ≈ HK$277,342/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,532 · Scale 2, in force from 26 Feb 2026)