LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,366
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,368
−HK$2,034/mo
Today · 4.125%
HK$68,402
baseline
▲ 0.50% · 4.625%
HK$72,564
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,804/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,606
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,527
−HK$1,948/mo
Today · 4.125%
HK$75,475
baseline
▲ 0.50% · 4.625%
HK$79,453
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,950/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,239
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,641
−HK$2,441/mo
Today · 4.125%
HK$82,082
baseline
▲ 0.50% · 4.625%
HK$87,077
+HK$4,995/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,164/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,927
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,232
−HK$2,338/mo
Today · 4.125%
HK$90,570
baseline
▲ 0.50% · 4.625%
HK$95,344
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,140/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,112
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,915
−HK$2,848/mo
Today · 4.125%
HK$95,763
baseline
▲ 0.50% · 4.625%
HK$101,590
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,526/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,249
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,937
−HK$2,728/mo
Today · 4.125%
HK$105,665
baseline
▲ 0.50% · 4.625%
HK$111,234
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,330/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,858
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,462
−HK$3,661/mo
Today · 4.125%
HK$123,123
baseline
▲ 0.50% · 4.625%
HK$130,615
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,246/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,891
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,348
−HK$3,507/mo
Today · 4.125%
HK$135,855
baseline
▲ 0.50% · 4.625%
HK$143,016
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,710/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,663 · Scale 2, in force from 26 Feb 2026)