LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,729
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,773
−HK$2,078/mo
Today · 4.125%
HK$69,851
baseline
▲ 0.50% · 4.625%
HK$74,101
+HK$4,250/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,702/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,123
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,084
−HK$1,989/mo
Today · 4.125%
HK$77,073
baseline
▲ 0.50% · 4.625%
HK$81,136
+HK$4,063/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,146/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,875
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,328
−HK$2,493/mo
Today · 4.125%
HK$83,821
baseline
▲ 0.50% · 4.625%
HK$88,921
+HK$5,100/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,642/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,747
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,100
−HK$2,388/mo
Today · 4.125%
HK$92,488
baseline
▲ 0.50% · 4.625%
HK$97,363
+HK$4,875/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$184,976/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,020
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,883
−HK$2,908/mo
Today · 4.125%
HK$97,791
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,950/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,582/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,372
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$105,117
−HK$2,785/mo
Today · 4.125%
HK$107,902
baseline
▲ 0.50% · 4.625%
HK$113,590
+HK$5,688/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,804/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,312
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,992
−HK$3,739/mo
Today · 4.125%
HK$125,731
baseline
▲ 0.50% · 4.625%
HK$133,381
+HK$7,650/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$251,462/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,621
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,151
−HK$3,581/mo
Today · 4.125%
HK$138,732
baseline
▲ 0.50% · 4.625%
HK$146,045
+HK$7,313/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$277,464/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,070 · Scale 2, in force from 26 Feb 2026)