LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,240
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,238
−HK$2,031/mo
Today · 4.125%
HK$68,269
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$4,154/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,538/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,467
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,383
−HK$1,945/mo
Today · 4.125%
HK$75,328
baseline
▲ 0.50% · 4.625%
HK$79,298
+HK$3,970/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,656/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,088
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,486
−HK$2,436/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,907
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,760
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,060
−HK$2,333/mo
Today · 4.125%
HK$90,393
baseline
▲ 0.50% · 4.625%
HK$95,158
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,786/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,936
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,734
−HK$2,842/mo
Today · 4.125%
HK$95,576
baseline
▲ 0.50% · 4.625%
HK$101,392
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,152/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,053
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,737
−HK$2,722/mo
Today · 4.125%
HK$105,459
baseline
▲ 0.50% · 4.625%
HK$111,018
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,918/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,632
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,229
−HK$3,655/mo
Today · 4.125%
HK$122,884
baseline
▲ 0.50% · 4.625%
HK$130,361
+HK$7,477/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,768/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,640
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,090
−HK$3,500/mo
Today · 4.125%
HK$135,590
baseline
▲ 0.50% · 4.625%
HK$142,737
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,180/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,326 · Scale 2, in force from 26 Feb 2026)