LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,205
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,203
−HK$2,029/mo
Today · 4.125%
HK$68,232
baseline
▲ 0.50% · 4.625%
HK$72,383
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,464/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,428
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,343
−HK$1,944/mo
Today · 4.125%
HK$75,287
baseline
▲ 0.50% · 4.625%
HK$79,255
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,574/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,046
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,443
−HK$2,435/mo
Today · 4.125%
HK$81,878
baseline
▲ 0.50% · 4.625%
HK$86,860
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,756/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,713
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,012
−HK$2,332/mo
Today · 4.125%
HK$90,344
baseline
▲ 0.50% · 4.625%
HK$95,106
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,688/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,888
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,684
−HK$2,840/mo
Today · 4.125%
HK$95,524
baseline
▲ 0.50% · 4.625%
HK$101,337
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,048/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,999
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,681
−HK$2,721/mo
Today · 4.125%
HK$105,402
baseline
▲ 0.50% · 4.625%
HK$110,957
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,804/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,570
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,165
−HK$3,652/mo
Today · 4.125%
HK$122,817
baseline
▲ 0.50% · 4.625%
HK$130,290
+HK$7,473/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,634/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,570
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,018
−HK$3,498/mo
Today · 4.125%
HK$135,516
baseline
▲ 0.50% · 4.625%
HK$142,660
+HK$7,144/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,032/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,677 · Scale 2, in force from 26 Feb 2026)