LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,889
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,876
−HK$2,020/mo
Today · 4.125%
HK$67,896
baseline
▲ 0.50% · 4.625%
HK$72,027
+HK$4,131/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,792/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,076
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,982
−HK$1,934/mo
Today · 4.125%
HK$74,916
baseline
▲ 0.50% · 4.625%
HK$78,865
+HK$3,949/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,832/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,667
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,052
−HK$2,423/mo
Today · 4.125%
HK$81,475
baseline
▲ 0.50% · 4.625%
HK$86,432
+HK$4,957/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,950/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,291
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,579
−HK$2,320/mo
Today · 4.125%
HK$89,899
baseline
▲ 0.50% · 4.625%
HK$94,638
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,798/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,445
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,227
−HK$2,827/mo
Today · 4.125%
HK$95,054
baseline
▲ 0.50% · 4.625%
HK$100,838
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,108/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,507
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,175
−HK$2,708/mo
Today · 4.125%
HK$104,883
baseline
▲ 0.50% · 4.625%
HK$110,411
+HK$5,528/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,766/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,001
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,578
−HK$3,634/mo
Today · 4.125%
HK$122,212
baseline
▲ 0.50% · 4.625%
HK$129,648
+HK$7,436/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,424/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,937
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,368
−HK$3,481/mo
Today · 4.125%
HK$134,849
baseline
▲ 0.50% · 4.625%
HK$141,957
+HK$7,108/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,698/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,783 · Scale 2, in force from 26 Feb 2026)