LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,151
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$2,027/mo
Today · 4.125%
HK$68,173
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,346/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,367
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,281
−HK$1,942/mo
Today · 4.125%
HK$75,223
baseline
▲ 0.50% · 4.625%
HK$79,188
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,446/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,375
−HK$2,433/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,786
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,640
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,937
−HK$2,330/mo
Today · 4.125%
HK$90,267
baseline
▲ 0.50% · 4.625%
HK$95,025
+HK$4,758/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,534/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,811
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,604
−HK$2,839/mo
Today · 4.125%
HK$95,443
baseline
▲ 0.50% · 4.625%
HK$101,250
+HK$5,807/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,886/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,914
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,593
−HK$2,719/mo
Today · 4.125%
HK$105,312
baseline
▲ 0.50% · 4.625%
HK$110,863
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,624/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,471
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,063
−HK$3,649/mo
Today · 4.125%
HK$122,712
baseline
▲ 0.50% · 4.625%
HK$130,179
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,424/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,460
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,905
−HK$3,496/mo
Today · 4.125%
HK$135,401
baseline
▲ 0.50% · 4.625%
HK$142,538
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,802/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,654 · Scale 2, in force from 26 Feb 2026)