LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,285
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,284
−HK$2,032/mo
Today · 4.125%
HK$68,316
baseline
▲ 0.50% · 4.625%
HK$72,473
+HK$4,157/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,632/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,516
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,434
−HK$1,946/mo
Today · 4.125%
HK$75,380
baseline
▲ 0.50% · 4.625%
HK$79,353
+HK$3,973/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,760/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,142
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,541
−HK$2,438/mo
Today · 4.125%
HK$81,979
baseline
▲ 0.50% · 4.625%
HK$86,967
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$163,958/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,819
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,121
−HK$2,335/mo
Today · 4.125%
HK$90,456
baseline
▲ 0.50% · 4.625%
HK$95,224
+HK$4,768/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,912/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,998
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,798
−HK$2,844/mo
Today · 4.125%
HK$95,642
baseline
▲ 0.50% · 4.625%
HK$101,462
+HK$5,820/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,284/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,122
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,808
−HK$2,724/mo
Today · 4.125%
HK$105,532
baseline
▲ 0.50% · 4.625%
HK$111,094
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,064/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,712
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,312
−HK$3,656/mo
Today · 4.125%
HK$122,968
baseline
▲ 0.50% · 4.625%
HK$130,451
+HK$7,483/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,936/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,729
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,181
−HK$3,503/mo
Today · 4.125%
HK$135,684
baseline
▲ 0.50% · 4.625%
HK$142,836
+HK$7,152/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,368/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,153 · Scale 2, in force from 26 Feb 2026)