LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,255
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,254
−HK$2,031/mo
Today · 4.125%
HK$68,285
baseline
▲ 0.50% · 4.625%
HK$72,440
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,570/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,483
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,401
−HK$1,944/mo
Today · 4.125%
HK$75,345
baseline
▲ 0.50% · 4.625%
HK$79,317
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,690/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,106
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,505
−HK$2,437/mo
Today · 4.125%
HK$81,942
baseline
▲ 0.50% · 4.625%
HK$86,928
+HK$4,986/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,884/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,780
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,081
−HK$2,334/mo
Today · 4.125%
HK$90,415
baseline
▲ 0.50% · 4.625%
HK$95,180
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,830/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,958
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,756
−HK$2,843/mo
Today · 4.125%
HK$95,599
baseline
▲ 0.50% · 4.625%
HK$101,416
+HK$5,817/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$191,198/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,077
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,761
−HK$2,723/mo
Today · 4.125%
HK$105,484
baseline
▲ 0.50% · 4.625%
HK$111,044
+HK$5,560/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$210,968/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,660
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$119,257
−HK$3,656/mo
Today · 4.125%
HK$122,913
baseline
▲ 0.50% · 4.625%
HK$130,392
+HK$7,479/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,826/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,670
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,121
−HK$3,501/mo
Today · 4.125%
HK$135,622
baseline
▲ 0.50% · 4.625%
HK$142,771
+HK$7,149/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,244/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,609 · Scale 2, in force from 26 Feb 2026)