LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,202
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,199
−HK$2,029/mo
Today · 4.125%
HK$68,228
baseline
▲ 0.50% · 4.625%
HK$72,380
+HK$4,152/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,456/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,424
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,340
−HK$1,943/mo
Today · 4.125%
HK$75,283
baseline
▲ 0.50% · 4.625%
HK$79,252
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,566/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,043
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,439
−HK$2,435/mo
Today · 4.125%
HK$81,874
baseline
▲ 0.50% · 4.625%
HK$86,856
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,748/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,709
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,008
−HK$2,332/mo
Today · 4.125%
HK$90,340
baseline
▲ 0.50% · 4.625%
HK$95,102
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,680/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,883
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,679
−HK$2,841/mo
Today · 4.125%
HK$95,520
baseline
▲ 0.50% · 4.625%
HK$101,332
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,040/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,994
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,676
−HK$2,721/mo
Today · 4.125%
HK$105,397
baseline
▲ 0.50% · 4.625%
HK$110,952
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,794/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,564
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,159
−HK$3,652/mo
Today · 4.125%
HK$122,811
baseline
▲ 0.50% · 4.625%
HK$130,284
+HK$7,473/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,622/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,564
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,012
−HK$3,498/mo
Today · 4.125%
HK$135,510
baseline
▲ 0.50% · 4.625%
HK$142,653
+HK$7,143/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,020/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,619 · Scale 2, in force from 26 Feb 2026)