LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,306
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,306
−HK$2,032/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,539
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$1,946/mo
Today · 4.125%
HK$75,404
baseline
▲ 0.50% · 4.625%
HK$79,379
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,808/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,167
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,567
−HK$2,439/mo
Today · 4.125%
HK$82,006
baseline
▲ 0.50% · 4.625%
HK$86,996
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,012/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,847
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,150
−HK$2,335/mo
Today · 4.125%
HK$90,485
baseline
▲ 0.50% · 4.625%
HK$95,255
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,970/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,028
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,828
−HK$2,845/mo
Today · 4.125%
HK$95,673
baseline
▲ 0.50% · 4.625%
HK$101,495
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,346/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,155
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,841
−HK$2,725/mo
Today · 4.125%
HK$105,566
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,132/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,750
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,351
−HK$3,658/mo
Today · 4.125%
HK$123,009
baseline
▲ 0.50% · 4.625%
HK$130,493
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,018/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,771
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,224
−HK$3,504/mo
Today · 4.125%
HK$135,728
baseline
▲ 0.50% · 4.625%
HK$142,882
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,456/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,544 · Scale 2, in force from 26 Feb 2026)