LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,331
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,332
−HK$2,033/mo
Today · 4.125%
HK$68,365
baseline
▲ 0.50% · 4.625%
HK$72,525
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,730/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,567
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,487
−HK$1,947/mo
Today · 4.125%
HK$75,434
baseline
▲ 0.50% · 4.625%
HK$79,410
+HK$3,976/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,868/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,197
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,598
−HK$2,440/mo
Today · 4.125%
HK$82,038
baseline
▲ 0.50% · 4.625%
HK$87,030
+HK$4,992/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,076/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,881
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,184
−HK$2,337/mo
Today · 4.125%
HK$90,521
baseline
▲ 0.50% · 4.625%
HK$95,292
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,042/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,063
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,864
−HK$2,847/mo
Today · 4.125%
HK$95,711
baseline
▲ 0.50% · 4.625%
HK$101,535
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,422/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,194
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,881
−HK$2,726/mo
Today · 4.125%
HK$105,607
baseline
▲ 0.50% · 4.625%
HK$111,174
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,214/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,795
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,397
−HK$3,660/mo
Today · 4.125%
HK$123,057
baseline
▲ 0.50% · 4.625%
HK$130,544
+HK$7,487/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,114/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,821
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,276
−HK$3,505/mo
Today · 4.125%
HK$135,781
baseline
▲ 0.50% · 4.625%
HK$142,938
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,562/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,013 · Scale 2, in force from 26 Feb 2026)