LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,304
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,304
−HK$2,033/mo
Today · 4.125%
HK$68,337
baseline
▲ 0.50% · 4.625%
HK$72,495
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,674/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,538
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,456
−HK$1,947/mo
Today · 4.125%
HK$75,403
baseline
▲ 0.50% · 4.625%
HK$79,377
+HK$3,974/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,806/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,165
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,565
−HK$2,439/mo
Today · 4.125%
HK$82,004
baseline
▲ 0.50% · 4.625%
HK$86,994
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,008/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,845
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,148
−HK$2,335/mo
Today · 4.125%
HK$90,483
baseline
▲ 0.50% · 4.625%
HK$95,253
+HK$4,770/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$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,026
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,826
−HK$2,845/mo
Today · 4.125%
HK$95,671
baseline
▲ 0.50% · 4.625%
HK$101,493
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,342/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,153
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,839
−HK$2,725/mo
Today · 4.125%
HK$105,564
baseline
▲ 0.50% · 4.625%
HK$111,128
+HK$5,564/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,128/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,747
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,348
−HK$3,658/mo
Today · 4.125%
HK$123,006
baseline
▲ 0.50% · 4.625%
HK$130,490
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,012/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,768
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,221
−HK$3,504/mo
Today · 4.125%
HK$135,725
baseline
▲ 0.50% · 4.625%
HK$142,879
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,450/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,517 · Scale 2, in force from 26 Feb 2026)