LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,234
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,233
−HK$2,030/mo
Today · 4.125%
HK$68,263
baseline
▲ 0.50% · 4.625%
HK$72,416
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,526/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,377
−HK$1,944/mo
Today · 4.125%
HK$75,321
baseline
▲ 0.50% · 4.625%
HK$79,291
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,642/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,479
−HK$2,436/mo
Today · 4.125%
HK$81,915
baseline
▲ 0.50% · 4.625%
HK$86,899
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,830/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,752
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,052
−HK$2,333/mo
Today · 4.125%
HK$90,385
baseline
▲ 0.50% · 4.625%
HK$95,149
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,770/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,928
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,726
−HK$2,842/mo
Today · 4.125%
HK$95,568
baseline
▲ 0.50% · 4.625%
HK$101,383
+HK$5,815/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,136/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,044
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,727
−HK$2,722/mo
Today · 4.125%
HK$105,449
baseline
▲ 0.50% · 4.625%
HK$111,008
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,898/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,622
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,219
−HK$3,654/mo
Today · 4.125%
HK$122,873
baseline
▲ 0.50% · 4.625%
HK$130,349
+HK$7,476/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,746/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,628
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,078
−HK$3,500/mo
Today · 4.125%
HK$135,578
baseline
▲ 0.50% · 4.625%
HK$142,724
+HK$7,146/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,156/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,218 · Scale 2, in force from 26 Feb 2026)