LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,380
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,383
−HK$2,035/mo
Today · 4.125%
HK$68,418
baseline
▲ 0.50% · 4.625%
HK$72,581
+HK$4,163/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,836/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,623
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,543
−HK$1,949/mo
Today · 4.125%
HK$75,492
baseline
▲ 0.50% · 4.625%
HK$79,471
+HK$3,979/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,984/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,256
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,660
−HK$2,441/mo
Today · 4.125%
HK$82,101
baseline
▲ 0.50% · 4.625%
HK$87,097
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,202/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,947
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,252
−HK$2,339/mo
Today · 4.125%
HK$90,591
baseline
▲ 0.50% · 4.625%
HK$95,366
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,182/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,133
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,936
−HK$2,849/mo
Today · 4.125%
HK$95,785
baseline
▲ 0.50% · 4.625%
HK$101,613
+HK$5,828/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,570/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,272
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,961
−HK$2,728/mo
Today · 4.125%
HK$105,689
baseline
▲ 0.50% · 4.625%
HK$111,260
+HK$5,571/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,378/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,885
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$119,489
−HK$3,663/mo
Today · 4.125%
HK$123,152
baseline
▲ 0.50% · 4.625%
HK$130,645
+HK$7,493/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,304/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,921
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,378
−HK$3,508/mo
Today · 4.125%
HK$135,886
baseline
▲ 0.50% · 4.625%
HK$143,048
+HK$7,162/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,772/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,939 · Scale 2, in force from 26 Feb 2026)