LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,262
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,261
−HK$2,031/mo
Today · 4.125%
HK$68,292
baseline
▲ 0.50% · 4.625%
HK$72,448
+HK$4,156/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,584/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,491
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$1,945/mo
Today · 4.125%
HK$75,354
baseline
▲ 0.50% · 4.625%
HK$79,326
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,708/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,115
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,514
−HK$2,437/mo
Today · 4.125%
HK$81,951
baseline
▲ 0.50% · 4.625%
HK$86,937
+HK$4,986/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,902/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,789
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,090
−HK$2,334/mo
Today · 4.125%
HK$90,424
baseline
▲ 0.50% · 4.625%
HK$95,191
+HK$4,767/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,848/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,967
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,766
−HK$2,843/mo
Today · 4.125%
HK$95,609
baseline
▲ 0.50% · 4.625%
HK$101,427
+HK$5,818/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$191,218/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,088
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,772
−HK$2,723/mo
Today · 4.125%
HK$105,495
baseline
▲ 0.50% · 4.625%
HK$111,056
+HK$5,561/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$210,990/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,672
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,270
−HK$3,656/mo
Today · 4.125%
HK$122,926
baseline
▲ 0.50% · 4.625%
HK$130,406
+HK$7,480/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,852/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,684
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,135
−HK$3,502/mo
Today · 4.125%
HK$135,637
baseline
▲ 0.50% · 4.625%
HK$142,786
+HK$7,149/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,274/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,739 · Scale 2, in force from 26 Feb 2026)