LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,326
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,327
−HK$2,033/mo
Today · 4.125%
HK$68,360
baseline
▲ 0.50% · 4.625%
HK$72,520
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,720/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,563
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,482
−HK$1,947/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$79,405
+HK$3,976/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,192
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,593
−HK$2,439/mo
Today · 4.125%
HK$82,032
baseline
▲ 0.50% · 4.625%
HK$87,024
+HK$4,992/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,064/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,875
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,178
−HK$2,337/mo
Today · 4.125%
HK$90,515
baseline
▲ 0.50% · 4.625%
HK$95,286
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,030/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,057
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,858
−HK$2,846/mo
Today · 4.125%
HK$95,704
baseline
▲ 0.50% · 4.625%
HK$101,528
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,408/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,188
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,875
−HK$2,725/mo
Today · 4.125%
HK$105,600
baseline
▲ 0.50% · 4.625%
HK$111,167
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,200/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,788
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,389
−HK$3,660/mo
Today · 4.125%
HK$123,049
baseline
▲ 0.50% · 4.625%
HK$130,536
+HK$7,487/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,098/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,813
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,267
−HK$3,505/mo
Today · 4.125%
HK$135,772
baseline
▲ 0.50% · 4.625%
HK$142,929
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,544/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,933 · Scale 2, in force from 26 Feb 2026)