LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,768
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,814
−HK$2,079/mo
Today · 4.125%
HK$69,893
baseline
▲ 0.50% · 4.625%
HK$74,146
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,786/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,167
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,129
−HK$1,991/mo
Today · 4.125%
HK$77,120
baseline
▲ 0.50% · 4.625%
HK$81,185
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,240/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,922
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,377
−HK$2,494/mo
Today · 4.125%
HK$83,871
baseline
▲ 0.50% · 4.625%
HK$88,975
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,742/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,800
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,155
−HK$2,389/mo
Today · 4.125%
HK$92,544
baseline
▲ 0.50% · 4.625%
HK$97,422
+HK$4,878/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,088/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,076
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,940
−HK$2,910/mo
Today · 4.125%
HK$97,850
baseline
▲ 0.50% · 4.625%
HK$103,804
+HK$5,954/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,700/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,433
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,181
−HK$2,787/mo
Today · 4.125%
HK$107,968
baseline
▲ 0.50% · 4.625%
HK$113,659
+HK$5,691/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,936/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,383
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,066
−HK$3,741/mo
Today · 4.125%
HK$125,807
baseline
▲ 0.50% · 4.625%
HK$133,462
+HK$7,655/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,614/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,700
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,232
−HK$3,584/mo
Today · 4.125%
HK$138,816
baseline
▲ 0.50% · 4.625%
HK$146,133
+HK$7,317/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,632/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,810 · Scale 2, in force from 26 Feb 2026)