LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,717
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,761
−HK$2,077/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$4,250/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,070
−HK$1,989/mo
Today · 4.125%
HK$77,059
baseline
▲ 0.50% · 4.625%
HK$81,121
+HK$4,062/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,118/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,860
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,313
−HK$2,493/mo
Today · 4.125%
HK$83,806
baseline
▲ 0.50% · 4.625%
HK$88,905
+HK$5,099/mo
Deposit HK$11.53M · loan HK$17.29M · min. income ≈ HK$167,612/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,731
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,084
−HK$2,387/mo
Today · 4.125%
HK$92,471
baseline
▲ 0.50% · 4.625%
HK$97,346
+HK$4,875/mo
Deposit HK$11.53M · loan HK$17.29M · min. income ≈ HK$184,942/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,004
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,866
−HK$2,907/mo
Today · 4.125%
HK$97,773
baseline
▲ 0.50% · 4.625%
HK$103,723
+HK$5,950/mo
Deposit HK$8.65M · loan HK$20.17M · min. income ≈ HK$195,546/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,353
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,098
−HK$2,785/mo
Today · 4.125%
HK$107,883
baseline
▲ 0.50% · 4.625%
HK$113,570
+HK$5,687/mo
Deposit HK$8.65M · loan HK$20.17M · min. income ≈ HK$215,766/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,291
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$121,970
−HK$3,738/mo
Today · 4.125%
HK$125,708
baseline
▲ 0.50% · 4.625%
HK$133,358
+HK$7,650/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$251,416/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,597
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$135,126
−HK$3,581/mo
Today · 4.125%
HK$138,707
baseline
▲ 0.50% · 4.625%
HK$146,018
+HK$7,311/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$277,414/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,224,851 · Scale 2, in force from 26 Feb 2026)