LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,765
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,810
−HK$2,079/mo
Today · 4.125%
HK$69,889
baseline
▲ 0.50% · 4.625%
HK$74,141
+HK$4,252/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,778/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,163
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,125
−HK$1,990/mo
Today · 4.125%
HK$77,115
baseline
▲ 0.50% · 4.625%
HK$81,180
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,230/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,918
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,373
−HK$2,494/mo
Today · 4.125%
HK$83,867
baseline
▲ 0.50% · 4.625%
HK$88,970
+HK$5,103/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$167,734/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,795
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,150
−HK$2,389/mo
Today · 4.125%
HK$92,539
baseline
▲ 0.50% · 4.625%
HK$97,416
+HK$4,877/mo
Deposit HK$11.54M · loan HK$17.30M · min. income ≈ HK$185,078/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,071
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,935
−HK$2,909/mo
Today · 4.125%
HK$97,844
baseline
▲ 0.50% · 4.625%
HK$103,798
+HK$5,954/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,688/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,428
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,175
−HK$2,787/mo
Today · 4.125%
HK$107,962
baseline
▲ 0.50% · 4.625%
HK$113,652
+HK$5,690/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,924/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,377
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$122,059
−HK$3,741/mo
Today · 4.125%
HK$125,800
baseline
▲ 0.50% · 4.625%
HK$133,455
+HK$7,655/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,600/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,693
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$135,225
−HK$3,583/mo
Today · 4.125%
HK$138,808
baseline
▲ 0.50% · 4.625%
HK$146,125
+HK$7,317/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,616/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,742 · Scale 2, in force from 26 Feb 2026)