LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,213
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,211
−HK$2,029/mo
Today · 4.125%
HK$68,240
baseline
▲ 0.50% · 4.625%
HK$72,392
+HK$4,152/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,480/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,437
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,353
−HK$1,943/mo
Today · 4.125%
HK$75,296
baseline
▲ 0.50% · 4.625%
HK$79,265
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,592/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,056
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,453
−HK$2,435/mo
Today · 4.125%
HK$81,888
baseline
▲ 0.50% · 4.625%
HK$86,871
+HK$4,983/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$163,776/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,724
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,023
−HK$2,332/mo
Today · 4.125%
HK$90,355
baseline
▲ 0.50% · 4.625%
HK$95,118
+HK$4,763/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$180,710/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,899
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,695
−HK$2,841/mo
Today · 4.125%
HK$95,536
baseline
▲ 0.50% · 4.625%
HK$101,349
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,072/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,011
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,694
−HK$2,721/mo
Today · 4.125%
HK$105,415
baseline
▲ 0.50% · 4.625%
HK$110,971
+HK$5,556/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,830/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,584
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,179
−HK$3,653/mo
Today · 4.125%
HK$122,832
baseline
▲ 0.50% · 4.625%
HK$130,306
+HK$7,474/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,664/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,586
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,035
−HK$3,498/mo
Today · 4.125%
HK$135,533
baseline
▲ 0.50% · 4.625%
HK$142,677
+HK$7,144/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,066/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,824 · Scale 2, in force from 26 Feb 2026)