LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,095
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,088
−HK$2,026/mo
Today · 4.125%
HK$68,114
baseline
▲ 0.50% · 4.625%
HK$72,258
+HK$4,144/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,228/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,304
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,217
−HK$1,940/mo
Today · 4.125%
HK$75,157
baseline
▲ 0.50% · 4.625%
HK$79,118
+HK$3,961/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,314/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,913
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,306
−HK$2,431/mo
Today · 4.125%
HK$81,737
baseline
▲ 0.50% · 4.625%
HK$86,710
+HK$4,973/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$163,474/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,565
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,860
−HK$2,328/mo
Today · 4.125%
HK$90,188
baseline
▲ 0.50% · 4.625%
HK$94,942
+HK$4,754/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$180,376/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,732
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,523
−HK$2,836/mo
Today · 4.125%
HK$95,359
baseline
▲ 0.50% · 4.625%
HK$101,162
+HK$5,803/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,718/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,826
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,504
−HK$2,716/mo
Today · 4.125%
HK$105,220
baseline
▲ 0.50% · 4.625%
HK$110,766
+HK$5,546/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,440/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,370
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,959
−HK$3,646/mo
Today · 4.125%
HK$122,605
baseline
▲ 0.50% · 4.625%
HK$130,065
+HK$7,460/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,210/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,348
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,790
−HK$3,492/mo
Today · 4.125%
HK$135,282
baseline
▲ 0.50% · 4.625%
HK$142,413
+HK$7,131/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,564/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,610 · Scale 2, in force from 26 Feb 2026)