LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,242
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,240
−HK$2,030/mo
Today · 4.125%
HK$68,270
baseline
▲ 0.50% · 4.625%
HK$72,424
+HK$4,154/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,540/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,468
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,385
−HK$1,944/mo
Today · 4.125%
HK$75,329
baseline
▲ 0.50% · 4.625%
HK$79,300
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,658/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,090
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,488
−HK$2,436/mo
Today · 4.125%
HK$81,924
baseline
▲ 0.50% · 4.625%
HK$86,909
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,848/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,762
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,062
−HK$2,333/mo
Today · 4.125%
HK$90,395
baseline
▲ 0.50% · 4.625%
HK$95,160
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,790/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,938
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,736
−HK$2,842/mo
Today · 4.125%
HK$95,578
baseline
▲ 0.50% · 4.625%
HK$101,394
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,156/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,055
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,739
−HK$2,722/mo
Today · 4.125%
HK$105,461
baseline
▲ 0.50% · 4.625%
HK$111,020
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,922/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,635
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,232
−HK$3,654/mo
Today · 4.125%
HK$122,886
baseline
▲ 0.50% · 4.625%
HK$130,363
+HK$7,477/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,772/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,643
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,093
−HK$3,500/mo
Today · 4.125%
HK$135,593
baseline
▲ 0.50% · 4.625%
HK$142,740
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,186/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,350 · Scale 2, in force from 26 Feb 2026)