LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,228
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,226
−HK$2,030/mo
Today · 4.125%
HK$68,256
baseline
▲ 0.50% · 4.625%
HK$72,409
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,512/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,453
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,370
−HK$1,944/mo
Today · 4.125%
HK$75,314
baseline
▲ 0.50% · 4.625%
HK$79,284
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,628/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,074
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,471
−HK$2,436/mo
Today · 4.125%
HK$81,907
baseline
▲ 0.50% · 4.625%
HK$86,891
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,814/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,744
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,044
−HK$2,333/mo
Today · 4.125%
HK$90,377
baseline
▲ 0.50% · 4.625%
HK$95,140
+HK$4,763/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,754/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,920
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,717
−HK$2,841/mo
Today · 4.125%
HK$95,558
baseline
▲ 0.50% · 4.625%
HK$101,373
+HK$5,815/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,116/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,035
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,718
−HK$2,721/mo
Today · 4.125%
HK$105,439
baseline
▲ 0.50% · 4.625%
HK$110,997
+HK$5,558/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,878/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,611
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,207
−HK$3,654/mo
Today · 4.125%
HK$122,861
baseline
▲ 0.50% · 4.625%
HK$130,337
+HK$7,476/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,722/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,616
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,066
−HK$3,499/mo
Today · 4.125%
HK$135,565
baseline
▲ 0.50% · 4.625%
HK$142,711
+HK$7,146/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,130/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,105 · Scale 2, in force from 26 Feb 2026)