LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,163
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,159
−HK$2,028/mo
Today · 4.125%
HK$68,187
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$4,149/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,374/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,381
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,295
−HK$1,942/mo
Today · 4.125%
HK$75,237
baseline
▲ 0.50% · 4.625%
HK$79,203
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,474/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,996
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,433/mo
Today · 4.125%
HK$81,824
baseline
▲ 0.50% · 4.625%
HK$86,803
+HK$4,979/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$163,648/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,657
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,954
−HK$2,331/mo
Today · 4.125%
HK$90,285
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$4,759/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$180,570/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,828
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,623
−HK$2,839/mo
Today · 4.125%
HK$95,462
baseline
▲ 0.50% · 4.625%
HK$101,270
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,924/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,933
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,613
−HK$2,719/mo
Today · 4.125%
HK$105,332
baseline
▲ 0.50% · 4.625%
HK$110,885
+HK$5,553/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,664/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,494
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,086
−HK$3,650/mo
Today · 4.125%
HK$122,736
baseline
▲ 0.50% · 4.625%
HK$130,204
+HK$7,468/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,472/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,486
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,932
−HK$3,495/mo
Today · 4.125%
HK$135,427
baseline
▲ 0.50% · 4.625%
HK$142,566
+HK$7,139/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,854/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,890 · Scale 2, in force from 26 Feb 2026)