LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,731
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$2,077/mo
Today · 4.125%
HK$69,852
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$4,251/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$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,125
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$1,989/mo
Today · 4.125%
HK$77,075
baseline
▲ 0.50% · 4.625%
HK$81,138
+HK$4,063/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$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,877
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,493/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,923
+HK$5,100/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,749
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,103
−HK$2,387/mo
Today · 4.125%
HK$92,490
baseline
▲ 0.50% · 4.625%
HK$97,366
+HK$4,876/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$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,023
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,885
−HK$2,908/mo
Today · 4.125%
HK$97,793
baseline
▲ 0.50% · 4.625%
HK$103,744
+HK$5,951/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$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,374
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,120
−HK$2,785/mo
Today · 4.125%
HK$107,905
baseline
▲ 0.50% · 4.625%
HK$113,593
+HK$5,688/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$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,315
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$121,995
−HK$3,739/mo
Today · 4.125%
HK$125,734
baseline
▲ 0.50% · 4.625%
HK$133,385
+HK$7,651/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$251,468/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,624
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,154
−HK$3,581/mo
Today · 4.125%
HK$138,735
baseline
▲ 0.50% · 4.625%
HK$146,048
+HK$7,313/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$1,225,102 · Scale 2, in force from 26 Feb 2026)