LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,219
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,217
−HK$2,029/mo
Today · 4.125%
HK$68,246
baseline
▲ 0.50% · 4.625%
HK$72,399
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,492/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,443
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,359
−HK$1,944/mo
Today · 4.125%
HK$75,303
baseline
▲ 0.50% · 4.625%
HK$79,272
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,606/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,063
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,460
−HK$2,436/mo
Today · 4.125%
HK$81,896
baseline
▲ 0.50% · 4.625%
HK$86,879
+HK$4,983/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,792/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,732
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,031
−HK$2,333/mo
Today · 4.125%
HK$90,364
baseline
▲ 0.50% · 4.625%
HK$95,127
+HK$4,763/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,728/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,907
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,704
−HK$2,841/mo
Today · 4.125%
HK$95,545
baseline
▲ 0.50% · 4.625%
HK$101,359
+HK$5,814/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,090/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,021
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,703
−HK$2,721/mo
Today · 4.125%
HK$105,424
baseline
▲ 0.50% · 4.625%
HK$110,981
+HK$5,557/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,848/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,595
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,190
−HK$3,653/mo
Today · 4.125%
HK$122,843
baseline
▲ 0.50% · 4.625%
HK$130,318
+HK$7,475/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,686/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,598
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,047
−HK$3,499/mo
Today · 4.125%
HK$135,546
baseline
▲ 0.50% · 4.625%
HK$142,690
+HK$7,144/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,092/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,936 · Scale 2, in force from 26 Feb 2026)