LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,187
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,184
−HK$2,028/mo
Today · 4.125%
HK$68,212
baseline
▲ 0.50% · 4.625%
HK$72,363
+HK$4,151/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,424/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,408
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,323
−HK$1,943/mo
Today · 4.125%
HK$75,266
baseline
▲ 0.50% · 4.625%
HK$79,233
+HK$3,967/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,532/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,025
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,420
−HK$2,435/mo
Today · 4.125%
HK$81,855
baseline
▲ 0.50% · 4.625%
HK$86,835
+HK$4,980/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,710/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,689
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,987
−HK$2,332/mo
Today · 4.125%
HK$90,319
baseline
▲ 0.50% · 4.625%
HK$95,079
+HK$4,760/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,638/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,862
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,657
−HK$2,840/mo
Today · 4.125%
HK$95,497
baseline
▲ 0.50% · 4.625%
HK$101,308
+HK$5,811/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,994/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,971
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,652
−HK$2,720/mo
Today · 4.125%
HK$105,372
baseline
▲ 0.50% · 4.625%
HK$110,926
+HK$5,554/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,744/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,537
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,131
−HK$3,651/mo
Today · 4.125%
HK$122,782
baseline
▲ 0.50% · 4.625%
HK$130,253
+HK$7,471/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,564/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,534
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,981
−HK$3,497/mo
Today · 4.125%
HK$135,478
baseline
▲ 0.50% · 4.625%
HK$142,619
+HK$7,141/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,956/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,337 · Scale 2, in force from 26 Feb 2026)