LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,015
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,007
−HK$2,023/mo
Today · 4.125%
HK$68,030
baseline
▲ 0.50% · 4.625%
HK$72,169
+HK$4,139/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,060/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,216
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,126
−HK$1,938/mo
Today · 4.125%
HK$75,064
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,128/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,818
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,428/mo
Today · 4.125%
HK$81,636
baseline
▲ 0.50% · 4.625%
HK$86,603
+HK$4,967/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,272/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,460
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,752
−HK$2,325/mo
Today · 4.125%
HK$90,077
baseline
▲ 0.50% · 4.625%
HK$94,825
+HK$4,748/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,154/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,621
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,409
−HK$2,833/mo
Today · 4.125%
HK$95,242
baseline
▲ 0.50% · 4.625%
HK$101,037
+HK$5,795/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,484/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,703
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,377
−HK$2,713/mo
Today · 4.125%
HK$105,090
baseline
▲ 0.50% · 4.625%
HK$110,629
+HK$5,539/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,180/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,228
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,812
−HK$3,641/mo
Today · 4.125%
HK$122,453
baseline
▲ 0.50% · 4.625%
HK$129,904
+HK$7,451/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,906/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,190
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,628
−HK$3,487/mo
Today · 4.125%
HK$135,115
baseline
▲ 0.50% · 4.625%
HK$142,237
+HK$7,122/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,230/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,135 · Scale 2, in force from 26 Feb 2026)