LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,308
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,308
−HK$2,032/mo
Today · 4.125%
HK$68,340
baseline
▲ 0.50% · 4.625%
HK$72,499
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,680/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,542
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,460
−HK$1,947/mo
Today · 4.125%
HK$75,407
baseline
▲ 0.50% · 4.625%
HK$79,382
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,814/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,169
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,570
−HK$2,438/mo
Today · 4.125%
HK$82,008
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,016/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,850
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,152
−HK$2,336/mo
Today · 4.125%
HK$90,488
baseline
▲ 0.50% · 4.625%
HK$95,258
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,976/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,031
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,831
−HK$2,845/mo
Today · 4.125%
HK$95,676
baseline
▲ 0.50% · 4.625%
HK$101,498
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,352/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,158
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,845
−HK$2,725/mo
Today · 4.125%
HK$105,570
baseline
▲ 0.50% · 4.625%
HK$111,134
+HK$5,564/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,140/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,754
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,354
−HK$3,659/mo
Today · 4.125%
HK$123,013
baseline
▲ 0.50% · 4.625%
HK$130,498
+HK$7,485/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,026/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,775
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,229
−HK$3,503/mo
Today · 4.125%
HK$135,732
baseline
▲ 0.50% · 4.625%
HK$142,887
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,464/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,583 · Scale 2, in force from 26 Feb 2026)