LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,146
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,142
−HK$2,027/mo
Today · 4.125%
HK$68,169
baseline
▲ 0.50% · 4.625%
HK$72,317
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,338/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,362
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,276
−HK$1,942/mo
Today · 4.125%
HK$75,218
baseline
▲ 0.50% · 4.625%
HK$79,183
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,436/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,976
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,370
−HK$2,433/mo
Today · 4.125%
HK$81,803
baseline
▲ 0.50% · 4.625%
HK$86,780
+HK$4,977/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,606/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,635
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,931
−HK$2,330/mo
Today · 4.125%
HK$90,261
baseline
▲ 0.50% · 4.625%
HK$95,019
+HK$4,758/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,522/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,805
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,598
−HK$2,838/mo
Today · 4.125%
HK$95,436
baseline
▲ 0.50% · 4.625%
HK$101,244
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,872/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,907
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,587
−HK$2,718/mo
Today · 4.125%
HK$105,305
baseline
▲ 0.50% · 4.625%
HK$110,856
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,610/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,463
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,055
−HK$3,649/mo
Today · 4.125%
HK$122,704
baseline
▲ 0.50% · 4.625%
HK$130,170
+HK$7,466/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,408/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,452
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,897
−HK$3,495/mo
Today · 4.125%
HK$135,392
baseline
▲ 0.50% · 4.625%
HK$142,529
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,784/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,577 · Scale 2, in force from 26 Feb 2026)