LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,730
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$2,077/mo
Today · 4.125%
HK$69,852
baseline
▲ 0.50% · 4.625%
HK$74,102
+HK$4,250/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,704/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,124
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,085
−HK$1,990/mo
Today · 4.125%
HK$77,075
baseline
▲ 0.50% · 4.625%
HK$81,137
+HK$4,062/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,150/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,876
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,492/mo
Today · 4.125%
HK$83,822
baseline
▲ 0.50% · 4.625%
HK$88,923
+HK$5,101/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,644/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,749
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,102
−HK$2,388/mo
Today · 4.125%
HK$92,490
baseline
▲ 0.50% · 4.625%
HK$97,365
+HK$4,875/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$184,980/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,022
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,885
−HK$2,908/mo
Today · 4.125%
HK$97,793
baseline
▲ 0.50% · 4.625%
HK$103,743
+HK$5,950/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,586/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,374
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,119
−HK$2,786/mo
Today · 4.125%
HK$107,905
baseline
▲ 0.50% · 4.625%
HK$113,592
+HK$5,687/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,810/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,314
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,994
−HK$3,739/mo
Today · 4.125%
HK$125,733
baseline
▲ 0.50% · 4.625%
HK$133,384
+HK$7,651/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$251,466/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,623
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$135,153
−HK$3,582/mo
Today · 4.125%
HK$138,735
baseline
▲ 0.50% · 4.625%
HK$146,047
+HK$7,312/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$277,470/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,095 · Scale 2, in force from 26 Feb 2026)