LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,313
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,314
−HK$2,032/mo
Today · 4.125%
HK$68,346
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,692/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,467
−HK$1,946/mo
Today · 4.125%
HK$75,413
baseline
▲ 0.50% · 4.625%
HK$79,388
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,826/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,176
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,576
−HK$2,439/mo
Today · 4.125%
HK$82,015
baseline
▲ 0.50% · 4.625%
HK$87,006
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,030/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,857
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,160
−HK$2,336/mo
Today · 4.125%
HK$90,496
baseline
▲ 0.50% · 4.625%
HK$95,266
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,992/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,038
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,839
−HK$2,846/mo
Today · 4.125%
HK$95,685
baseline
▲ 0.50% · 4.625%
HK$101,507
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,370/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,167
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,853
−HK$2,726/mo
Today · 4.125%
HK$105,579
baseline
▲ 0.50% · 4.625%
HK$111,144
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,158/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,764
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,365
−HK$3,658/mo
Today · 4.125%
HK$123,023
baseline
▲ 0.50% · 4.625%
HK$130,509
+HK$7,486/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,046/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,786
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,240
−HK$3,504/mo
Today · 4.125%
HK$135,744
baseline
▲ 0.50% · 4.625%
HK$142,899
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,488/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,685 · Scale 2, in force from 26 Feb 2026)