LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,193
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,190
−HK$2,029/mo
Today · 4.125%
HK$68,219
baseline
▲ 0.50% · 4.625%
HK$72,370
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,438/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,415
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,330
−HK$1,943/mo
Today · 4.125%
HK$75,273
baseline
▲ 0.50% · 4.625%
HK$79,241
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,546/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,032
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,428
−HK$2,435/mo
Today · 4.125%
HK$81,863
baseline
▲ 0.50% · 4.625%
HK$86,844
+HK$4,981/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,726/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,697
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,996
−HK$2,331/mo
Today · 4.125%
HK$90,327
baseline
▲ 0.50% · 4.625%
HK$95,089
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,654/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,871
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,666
−HK$2,840/mo
Today · 4.125%
HK$95,506
baseline
▲ 0.50% · 4.625%
HK$101,318
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,012/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,980
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,662
−HK$2,720/mo
Today · 4.125%
HK$105,382
baseline
▲ 0.50% · 4.625%
HK$110,937
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,764/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,548
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,142
−HK$3,652/mo
Today · 4.125%
HK$122,794
baseline
▲ 0.50% · 4.625%
HK$130,266
+HK$7,472/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,588/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,546
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$131,994
−HK$3,497/mo
Today · 4.125%
HK$135,491
baseline
▲ 0.50% · 4.625%
HK$142,633
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$270,982/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,453 · Scale 2, in force from 26 Feb 2026)