LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,217
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,215
−HK$2,029/mo
Today · 4.125%
HK$68,244
baseline
▲ 0.50% · 4.625%
HK$72,397
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,488/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,441
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,357
−HK$1,944/mo
Today · 4.125%
HK$75,301
baseline
▲ 0.50% · 4.625%
HK$79,270
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,602/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,061
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,458
−HK$2,435/mo
Today · 4.125%
HK$81,893
baseline
▲ 0.50% · 4.625%
HK$86,876
+HK$4,983/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$163,786/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,729
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,028
−HK$2,333/mo
Today · 4.125%
HK$90,361
baseline
▲ 0.50% · 4.625%
HK$95,124
+HK$4,763/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$180,722/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,904
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,701
−HK$2,841/mo
Today · 4.125%
HK$95,542
baseline
▲ 0.50% · 4.625%
HK$101,355
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,084/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,017
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,700
−HK$2,721/mo
Today · 4.125%
HK$105,421
baseline
▲ 0.50% · 4.625%
HK$110,978
+HK$5,557/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,842/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,591
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,187
−HK$3,653/mo
Today · 4.125%
HK$122,840
baseline
▲ 0.50% · 4.625%
HK$130,314
+HK$7,474/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,680/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,594
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,043
−HK$3,498/mo
Today · 4.125%
HK$135,541
baseline
▲ 0.50% · 4.625%
HK$142,686
+HK$7,145/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,082/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,898 · Scale 2, in force from 26 Feb 2026)