LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,133
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,128
−HK$2,026/mo
Today · 4.125%
HK$68,154
baseline
▲ 0.50% · 4.625%
HK$72,301
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,308/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,347
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,260
−HK$1,942/mo
Today · 4.125%
HK$75,202
baseline
▲ 0.50% · 4.625%
HK$79,166
+HK$3,964/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,404/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,959
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,353
−HK$2,432/mo
Today · 4.125%
HK$81,785
baseline
▲ 0.50% · 4.625%
HK$86,762
+HK$4,977/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,570/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,616
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,913
−HK$2,329/mo
Today · 4.125%
HK$90,242
baseline
▲ 0.50% · 4.625%
HK$94,999
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,484/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,786
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,579
−HK$2,837/mo
Today · 4.125%
HK$95,416
baseline
▲ 0.50% · 4.625%
HK$101,222
+HK$5,806/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,832/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,886
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,565
−HK$2,717/mo
Today · 4.125%
HK$105,282
baseline
▲ 0.50% · 4.625%
HK$110,832
+HK$5,550/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,564/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,439
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,030
−HK$3,648/mo
Today · 4.125%
HK$122,678
baseline
▲ 0.50% · 4.625%
HK$130,142
+HK$7,464/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,356/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,425
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,869
−HK$3,494/mo
Today · 4.125%
HK$135,363
baseline
▲ 0.50% · 4.625%
HK$142,498
+HK$7,135/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,726/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,322 · Scale 2, in force from 26 Feb 2026)