LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,358
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,360
−HK$2,033/mo
Today · 4.125%
HK$68,393
baseline
▲ 0.50% · 4.625%
HK$72,555
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,786/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,597
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,517
−HK$1,948/mo
Today · 4.125%
HK$75,465
baseline
▲ 0.50% · 4.625%
HK$79,443
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,930/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,229
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,631
−HK$2,441/mo
Today · 4.125%
HK$82,072
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,144/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,917
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,221
−HK$2,338/mo
Today · 4.125%
HK$90,559
baseline
▲ 0.50% · 4.625%
HK$95,332
+HK$4,773/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,118/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,101
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,903
−HK$2,848/mo
Today · 4.125%
HK$95,751
baseline
▲ 0.50% · 4.625%
HK$101,577
+HK$5,826/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,502/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,236
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,924
−HK$2,728/mo
Today · 4.125%
HK$105,652
baseline
▲ 0.50% · 4.625%
HK$111,221
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,304/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,844
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,447
−HK$3,661/mo
Today · 4.125%
HK$123,108
baseline
▲ 0.50% · 4.625%
HK$130,599
+HK$7,491/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,216/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,875
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,331
−HK$3,507/mo
Today · 4.125%
HK$135,838
baseline
▲ 0.50% · 4.625%
HK$142,998
+HK$7,160/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,676/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,515 · Scale 2, in force from 26 Feb 2026)