LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,162
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,158
−HK$2,027/mo
Today · 4.125%
HK$68,185
baseline
▲ 0.50% · 4.625%
HK$72,334
+HK$4,149/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,370/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,379
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,294
−HK$1,942/mo
Today · 4.125%
HK$75,236
baseline
▲ 0.50% · 4.625%
HK$79,202
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,472/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,994
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,389
−HK$2,433/mo
Today · 4.125%
HK$81,822
baseline
▲ 0.50% · 4.625%
HK$86,801
+HK$4,979/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$163,644/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,655
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,952
−HK$2,331/mo
Today · 4.125%
HK$90,283
baseline
▲ 0.50% · 4.625%
HK$95,042
+HK$4,759/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$180,566/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,827
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,621
−HK$2,838/mo
Today · 4.125%
HK$95,459
baseline
▲ 0.50% · 4.625%
HK$101,268
+HK$5,809/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,918/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,931
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,611
−HK$2,719/mo
Today · 4.125%
HK$105,330
baseline
▲ 0.50% · 4.625%
HK$110,882
+HK$5,552/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,660/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,491
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,084
−HK$3,650/mo
Today · 4.125%
HK$122,734
baseline
▲ 0.50% · 4.625%
HK$130,202
+HK$7,468/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,468/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,483
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,929
−HK$3,495/mo
Today · 4.125%
HK$135,424
baseline
▲ 0.50% · 4.625%
HK$142,563
+HK$7,139/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,848/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,864 · Scale 2, in force from 26 Feb 2026)