LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,376
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,378
−HK$2,035/mo
Today · 4.125%
HK$68,413
baseline
▲ 0.50% · 4.625%
HK$72,576
+HK$4,163/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,826/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,618
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,538
−HK$1,949/mo
Today · 4.125%
HK$75,487
baseline
▲ 0.50% · 4.625%
HK$79,466
+HK$3,979/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,974/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,251
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,654
−HK$2,442/mo
Today · 4.125%
HK$82,096
baseline
▲ 0.50% · 4.625%
HK$87,091
+HK$4,995/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,192/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,941
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,246
−HK$2,338/mo
Today · 4.125%
HK$90,584
baseline
▲ 0.50% · 4.625%
HK$95,359
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,168/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,126
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,930
−HK$2,848/mo
Today · 4.125%
HK$95,778
baseline
▲ 0.50% · 4.625%
HK$101,606
+HK$5,828/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,556/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,265
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,954
−HK$2,728/mo
Today · 4.125%
HK$105,682
baseline
▲ 0.50% · 4.625%
HK$111,252
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,364/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,877
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,481
−HK$3,662/mo
Today · 4.125%
HK$123,143
baseline
▲ 0.50% · 4.625%
HK$130,636
+HK$7,493/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,286/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,912
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,369
−HK$3,508/mo
Today · 4.125%
HK$135,877
baseline
▲ 0.50% · 4.625%
HK$143,039
+HK$7,162/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,754/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,857 · Scale 2, in force from 26 Feb 2026)