LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,750
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,796
−HK$2,078/mo
Today · 4.125%
HK$69,874
baseline
▲ 0.50% · 4.625%
HK$74,125
+HK$4,251/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,748/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,147
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,108
−HK$1,991/mo
Today · 4.125%
HK$77,099
baseline
▲ 0.50% · 4.625%
HK$81,163
+HK$4,064/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,198/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,901
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,355
−HK$2,493/mo
Today · 4.125%
HK$83,848
baseline
▲ 0.50% · 4.625%
HK$88,950
+HK$5,102/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,696/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,776
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,130
−HK$2,388/mo
Today · 4.125%
HK$92,518
baseline
▲ 0.50% · 4.625%
HK$97,395
+HK$4,877/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$185,036/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,051
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,914
−HK$2,909/mo
Today · 4.125%
HK$97,823
baseline
▲ 0.50% · 4.625%
HK$103,775
+HK$5,952/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,646/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,405
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,152
−HK$2,786/mo
Today · 4.125%
HK$107,938
baseline
▲ 0.50% · 4.625%
HK$113,628
+HK$5,690/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,876/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,351
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$122,032
−HK$3,740/mo
Today · 4.125%
HK$125,772
baseline
▲ 0.50% · 4.625%
HK$133,425
+HK$7,653/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$251,544/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,664
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$135,195
−HK$3,583/mo
Today · 4.125%
HK$138,778
baseline
▲ 0.50% · 4.625%
HK$146,093
+HK$7,315/mo
Deposit HK$2.88M · loan HK$25.95M · min. income ≈ HK$277,556/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,475 · Scale 2, in force from 26 Feb 2026)