LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,195
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,192
−HK$2,029/mo
Today · 4.125%
HK$68,221
baseline
▲ 0.50% · 4.625%
HK$72,372
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,442/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,416
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,332
−HK$1,943/mo
Today · 4.125%
HK$75,275
baseline
▲ 0.50% · 4.625%
HK$79,243
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,550/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,034
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,430
−HK$2,435/mo
Today · 4.125%
HK$81,865
baseline
▲ 0.50% · 4.625%
HK$86,846
+HK$4,981/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,730/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,700
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,998
−HK$2,332/mo
Today · 4.125%
HK$90,330
baseline
▲ 0.50% · 4.625%
HK$95,091
+HK$4,761/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,660/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,873
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,669
−HK$2,840/mo
Today · 4.125%
HK$95,509
baseline
▲ 0.50% · 4.625%
HK$101,320
+HK$5,811/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,018/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,983
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,664
−HK$2,721/mo
Today · 4.125%
HK$105,385
baseline
▲ 0.50% · 4.625%
HK$110,940
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,770/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,551
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,145
−HK$3,652/mo
Today · 4.125%
HK$122,797
baseline
▲ 0.50% · 4.625%
HK$130,269
+HK$7,472/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,594/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,549
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$131,997
−HK$3,498/mo
Today · 4.125%
HK$135,495
baseline
▲ 0.50% · 4.625%
HK$142,637
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$270,990/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,485 · Scale 2, in force from 26 Feb 2026)