LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,230
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$2,030/mo
Today · 4.125%
HK$68,258
baseline
▲ 0.50% · 4.625%
HK$72,411
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,516/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,456
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,372
−HK$1,944/mo
Today · 4.125%
HK$75,316
baseline
▲ 0.50% · 4.625%
HK$79,286
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,632/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,076
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,474
−HK$2,436/mo
Today · 4.125%
HK$81,910
baseline
▲ 0.50% · 4.625%
HK$86,894
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,820/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,747
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,046
−HK$2,333/mo
Today · 4.125%
HK$90,379
baseline
▲ 0.50% · 4.625%
HK$95,143
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,758/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,922
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,720
−HK$2,841/mo
Today · 4.125%
HK$95,561
baseline
▲ 0.50% · 4.625%
HK$101,376
+HK$5,815/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,122/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,038
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,721
−HK$2,722/mo
Today · 4.125%
HK$105,443
baseline
▲ 0.50% · 4.625%
HK$111,001
+HK$5,558/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,886/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,615
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,211
−HK$3,654/mo
Today · 4.125%
HK$122,865
baseline
▲ 0.50% · 4.625%
HK$130,341
+HK$7,476/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,730/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,620
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,070
−HK$3,499/mo
Today · 4.125%
HK$135,569
baseline
▲ 0.50% · 4.625%
HK$142,715
+HK$7,146/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,138/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,142 · Scale 2, in force from 26 Feb 2026)