LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,777
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,823
−HK$2,079/mo
Today · 4.125%
HK$69,902
baseline
▲ 0.50% · 4.625%
HK$74,155
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,804/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,176
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,139
−HK$1,991/mo
Today · 4.125%
HK$77,130
baseline
▲ 0.50% · 4.625%
HK$81,195
+HK$4,065/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,260/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,932
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,388
−HK$2,494/mo
Today · 4.125%
HK$83,882
baseline
▲ 0.50% · 4.625%
HK$88,986
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,764/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,812
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,167
−HK$2,389/mo
Today · 4.125%
HK$92,556
baseline
▲ 0.50% · 4.625%
HK$97,434
+HK$4,878/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,112/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,088
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,952
−HK$2,911/mo
Today · 4.125%
HK$97,863
baseline
▲ 0.50% · 4.625%
HK$103,817
+HK$5,954/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,726/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,447
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,194
−HK$2,788/mo
Today · 4.125%
HK$107,982
baseline
▲ 0.50% · 4.625%
HK$113,674
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,964/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,399
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,082
−HK$3,741/mo
Today · 4.125%
HK$125,823
baseline
▲ 0.50% · 4.625%
HK$133,479
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,646/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,717
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,250
−HK$3,584/mo
Today · 4.125%
HK$138,834
baseline
▲ 0.50% · 4.625%
HK$146,152
+HK$7,318/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,668/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,970 · Scale 2, in force from 26 Feb 2026)