LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,778
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,824
−HK$2,079/mo
Today · 4.125%
HK$69,903
baseline
▲ 0.50% · 4.625%
HK$74,156
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,806/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,177
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,140
−HK$1,991/mo
Today · 4.125%
HK$77,131
baseline
▲ 0.50% · 4.625%
HK$81,197
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,262/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,934
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,389
−HK$2,495/mo
Today · 4.125%
HK$83,884
baseline
▲ 0.50% · 4.625%
HK$88,988
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,768/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,813
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,168
−HK$2,389/mo
Today · 4.125%
HK$92,557
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,114/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,089
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,954
−HK$2,910/mo
Today · 4.125%
HK$97,864
baseline
▲ 0.50% · 4.625%
HK$103,819
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,728/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,448
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,196
−HK$2,787/mo
Today · 4.125%
HK$107,983
baseline
▲ 0.50% · 4.625%
HK$113,675
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,966/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,401
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$122,083
−HK$3,742/mo
Today · 4.125%
HK$125,825
baseline
▲ 0.50% · 4.625%
HK$133,481
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,650/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,719
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$135,252
−HK$3,584/mo
Today · 4.125%
HK$138,836
baseline
▲ 0.50% · 4.625%
HK$146,154
+HK$7,318/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,672/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,989 · Scale 2, in force from 26 Feb 2026)