LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,320
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,321
−HK$2,032/mo
Today · 4.125%
HK$68,353
baseline
▲ 0.50% · 4.625%
HK$72,512
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,706/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,555
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,474
−HK$1,947/mo
Today · 4.125%
HK$75,421
baseline
▲ 0.50% · 4.625%
HK$79,397
+HK$3,976/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,842/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,184
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,585
−HK$2,439/mo
Today · 4.125%
HK$82,024
baseline
▲ 0.50% · 4.625%
HK$87,015
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,048/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,866
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,169
−HK$2,336/mo
Today · 4.125%
HK$90,505
baseline
▲ 0.50% · 4.625%
HK$95,276
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$181,010/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,048
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,849
−HK$2,846/mo
Today · 4.125%
HK$95,695
baseline
▲ 0.50% · 4.625%
HK$101,517
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,390/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,177
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,864
−HK$2,726/mo
Today · 4.125%
HK$105,590
baseline
▲ 0.50% · 4.625%
HK$111,155
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,180/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,776
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,377
−HK$3,659/mo
Today · 4.125%
HK$123,036
baseline
▲ 0.50% · 4.625%
HK$130,522
+HK$7,486/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,072/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,799
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,254
−HK$3,504/mo
Today · 4.125%
HK$135,758
baseline
▲ 0.50% · 4.625%
HK$142,914
+HK$7,156/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,516/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,810 · Scale 2, in force from 26 Feb 2026)