LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,324
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,325
−HK$2,032/mo
Today · 4.125%
HK$68,357
baseline
▲ 0.50% · 4.625%
HK$72,517
+HK$4,160/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$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,559
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,479
−HK$1,947/mo
Today · 4.125%
HK$75,426
baseline
▲ 0.50% · 4.625%
HK$79,401
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,852/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,188
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,589
−HK$2,440/mo
Today · 4.125%
HK$82,029
baseline
▲ 0.50% · 4.625%
HK$87,020
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,058/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,871
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,174
−HK$2,337/mo
Today · 4.125%
HK$90,511
baseline
▲ 0.50% · 4.625%
HK$95,282
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,022/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,053
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,854
−HK$2,846/mo
Today · 4.125%
HK$95,700
baseline
▲ 0.50% · 4.625%
HK$101,523
+HK$5,823/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,400/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,183
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,870
−HK$2,726/mo
Today · 4.125%
HK$105,596
baseline
▲ 0.50% · 4.625%
HK$111,162
+HK$5,566/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,192/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,783
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,384
−HK$3,659/mo
Today · 4.125%
HK$123,043
baseline
▲ 0.50% · 4.625%
HK$130,530
+HK$7,487/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,086/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,807
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,262
−HK$3,504/mo
Today · 4.125%
HK$135,766
baseline
▲ 0.50% · 4.625%
HK$142,923
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,532/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,882 · Scale 2, in force from 26 Feb 2026)