LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,192
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,188
−HK$2,029/mo
Today · 4.125%
HK$68,217
baseline
▲ 0.50% · 4.625%
HK$72,368
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,434/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,413
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,328
−HK$1,943/mo
Today · 4.125%
HK$75,271
baseline
▲ 0.50% · 4.625%
HK$79,238
+HK$3,967/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,542/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,030
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,426
−HK$2,434/mo
Today · 4.125%
HK$81,860
baseline
▲ 0.50% · 4.625%
HK$86,842
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,720/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,695
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,993
−HK$2,332/mo
Today · 4.125%
HK$90,325
baseline
▲ 0.50% · 4.625%
HK$95,086
+HK$4,761/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,650/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,868
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,664
−HK$2,840/mo
Today · 4.125%
HK$95,504
baseline
▲ 0.50% · 4.625%
HK$101,315
+HK$5,811/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,008/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,978
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,659
−HK$2,720/mo
Today · 4.125%
HK$105,379
baseline
▲ 0.50% · 4.625%
HK$110,934
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,758/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,545
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,139
−HK$3,652/mo
Today · 4.125%
HK$122,791
baseline
▲ 0.50% · 4.625%
HK$130,262
+HK$7,471/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,582/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,543
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,990
−HK$3,497/mo
Today · 4.125%
HK$135,487
baseline
▲ 0.50% · 4.625%
HK$142,629
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$270,974/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,422 · Scale 2, in force from 26 Feb 2026)