LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,140
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$2,027/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$72,309
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,268
−HK$1,942/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,174
+HK$3,964/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,968
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,362
−HK$2,432/mo
Today · 4.125%
HK$81,794
baseline
▲ 0.50% · 4.625%
HK$86,771
+HK$4,977/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,588/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,922
−HK$2,330/mo
Today · 4.125%
HK$90,252
baseline
▲ 0.50% · 4.625%
HK$95,009
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,504/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,796
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,589
−HK$2,837/mo
Today · 4.125%
HK$95,426
baseline
▲ 0.50% · 4.625%
HK$101,233
+HK$5,807/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,852/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,897
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,576
−HK$2,718/mo
Today · 4.125%
HK$105,294
baseline
▲ 0.50% · 4.625%
HK$110,844
+HK$5,550/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,588/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,451
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,043
−HK$3,648/mo
Today · 4.125%
HK$122,691
baseline
▲ 0.50% · 4.625%
HK$130,157
+HK$7,466/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,382/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,438
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,883
−HK$3,495/mo
Today · 4.125%
HK$135,378
baseline
▲ 0.50% · 4.625%
HK$142,514
+HK$7,136/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,756/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,452 · Scale 2, in force from 26 Feb 2026)