LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,775
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,821
−HK$2,079/mo
Today · 4.125%
HK$69,900
baseline
▲ 0.50% · 4.625%
HK$74,153
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,800/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,174
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,137
−HK$1,991/mo
Today · 4.125%
HK$77,128
baseline
▲ 0.50% · 4.625%
HK$81,193
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,256/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,930
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,385
−HK$2,495/mo
Today · 4.125%
HK$83,880
baseline
▲ 0.50% · 4.625%
HK$88,984
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,760/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,809
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,164
−HK$2,389/mo
Today · 4.125%
HK$92,553
baseline
▲ 0.50% · 4.625%
HK$97,432
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,106/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,085
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,950
−HK$2,910/mo
Today · 4.125%
HK$97,860
baseline
▲ 0.50% · 4.625%
HK$103,814
+HK$5,954/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,720/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,444
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,191
−HK$2,788/mo
Today · 4.125%
HK$107,979
baseline
▲ 0.50% · 4.625%
HK$113,670
+HK$5,691/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,958/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,395
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,078
−HK$3,742/mo
Today · 4.125%
HK$125,820
baseline
▲ 0.50% · 4.625%
HK$133,475
+HK$7,655/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,640/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,714
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,246
−HK$3,584/mo
Today · 4.125%
HK$138,830
baseline
▲ 0.50% · 4.625%
HK$146,147
+HK$7,317/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,660/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,934 · Scale 2, in force from 26 Feb 2026)