LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,353
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,354
−HK$2,034/mo
Today · 4.125%
HK$68,388
baseline
▲ 0.50% · 4.625%
HK$72,549
+HK$4,161/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,776/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,592
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,512
−HK$1,947/mo
Today · 4.125%
HK$75,459
baseline
▲ 0.50% · 4.625%
HK$79,437
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,918/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,223
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,625
−HK$2,441/mo
Today · 4.125%
HK$82,066
baseline
▲ 0.50% · 4.625%
HK$87,059
+HK$4,993/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,132/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,910
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,214
−HK$2,337/mo
Today · 4.125%
HK$90,551
baseline
▲ 0.50% · 4.625%
HK$95,324
+HK$4,773/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,102/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,094
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,896
−HK$2,847/mo
Today · 4.125%
HK$95,743
baseline
▲ 0.50% · 4.625%
HK$101,569
+HK$5,826/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,486/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,228
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,916
−HK$2,727/mo
Today · 4.125%
HK$105,643
baseline
▲ 0.50% · 4.625%
HK$111,212
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,286/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,835
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,438
−HK$3,660/mo
Today · 4.125%
HK$123,098
baseline
▲ 0.50% · 4.625%
HK$130,589
+HK$7,491/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,196/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,865
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,321
−HK$3,506/mo
Today · 4.125%
HK$135,827
baseline
▲ 0.50% · 4.625%
HK$142,987
+HK$7,160/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,654/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,420 · Scale 2, in force from 26 Feb 2026)