LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,190
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$2,029/mo
Today · 4.125%
HK$68,215
baseline
▲ 0.50% · 4.625%
HK$72,366
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,430/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,410
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,326
−HK$1,943/mo
Today · 4.125%
HK$75,269
baseline
▲ 0.50% · 4.625%
HK$79,236
+HK$3,967/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,538/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,028
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,424
−HK$2,434/mo
Today · 4.125%
HK$81,858
baseline
▲ 0.50% · 4.625%
HK$86,839
+HK$4,981/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,716/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,693
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,991
−HK$2,331/mo
Today · 4.125%
HK$90,322
baseline
▲ 0.50% · 4.625%
HK$95,083
+HK$4,761/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,644/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,866
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,661
−HK$2,840/mo
Today · 4.125%
HK$95,501
baseline
▲ 0.50% · 4.625%
HK$101,312
+HK$5,811/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,002/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,975
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,656
−HK$2,720/mo
Today · 4.125%
HK$105,376
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,752/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,542
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,136
−HK$3,651/mo
Today · 4.125%
HK$122,787
baseline
▲ 0.50% · 4.625%
HK$130,258
+HK$7,471/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,574/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,539
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,986
−HK$3,497/mo
Today · 4.125%
HK$135,483
baseline
▲ 0.50% · 4.625%
HK$142,625
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$270,966/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,386 · Scale 2, in force from 26 Feb 2026)