LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,323
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,324
−HK$2,033/mo
Today · 4.125%
HK$68,357
baseline
▲ 0.50% · 4.625%
HK$72,516
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,714/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,559
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,478
−HK$1,947/mo
Today · 4.125%
HK$75,425
baseline
▲ 0.50% · 4.625%
HK$79,401
+HK$3,976/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,850/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,188
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,589
−HK$2,439/mo
Today · 4.125%
HK$82,028
baseline
▲ 0.50% · 4.625%
HK$87,019
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,056/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,871
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,174
−HK$2,336/mo
Today · 4.125%
HK$90,510
baseline
▲ 0.50% · 4.625%
HK$95,281
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,020/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,052
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,854
−HK$2,845/mo
Today · 4.125%
HK$95,699
baseline
▲ 0.50% · 4.625%
HK$101,523
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,398/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,182
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,869
−HK$2,726/mo
Today · 4.125%
HK$105,595
baseline
▲ 0.50% · 4.625%
HK$111,161
+HK$5,566/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,190/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,782
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,383
−HK$3,659/mo
Today · 4.125%
HK$123,042
baseline
▲ 0.50% · 4.625%
HK$130,529
+HK$7,487/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,084/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,806
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,260
−HK$3,505/mo
Today · 4.125%
HK$135,765
baseline
▲ 0.50% · 4.625%
HK$142,921
+HK$7,156/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,530/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,871 · Scale 2, in force from 26 Feb 2026)