LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,304
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,304
−HK$2,032/mo
Today · 4.125%
HK$68,336
baseline
▲ 0.50% · 4.625%
HK$72,494
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,672/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,537
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,456
−HK$1,946/mo
Today · 4.125%
HK$75,402
baseline
▲ 0.50% · 4.625%
HK$79,377
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,804/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,164
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,565
−HK$2,438/mo
Today · 4.125%
HK$82,003
baseline
▲ 0.50% · 4.625%
HK$86,993
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,006/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,845
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,147
−HK$2,336/mo
Today · 4.125%
HK$90,483
baseline
▲ 0.50% · 4.625%
HK$95,252
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,966/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,025
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,825
−HK$2,845/mo
Today · 4.125%
HK$95,670
baseline
▲ 0.50% · 4.625%
HK$101,492
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,340/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,152
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,838
−HK$2,725/mo
Today · 4.125%
HK$105,563
baseline
▲ 0.50% · 4.625%
HK$111,127
+HK$5,564/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,126/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,747
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,347
−HK$3,658/mo
Today · 4.125%
HK$123,005
baseline
▲ 0.50% · 4.625%
HK$130,489
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,010/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,767
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,220
−HK$3,504/mo
Today · 4.125%
HK$135,724
baseline
▲ 0.50% · 4.625%
HK$142,878
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,448/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,508 · Scale 2, in force from 26 Feb 2026)