LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,387
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,389
−HK$2,035/mo
Today · 4.125%
HK$68,424
baseline
▲ 0.50% · 4.625%
HK$72,588
+HK$4,164/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,848/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,629
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,550
−HK$1,949/mo
Today · 4.125%
HK$75,499
baseline
▲ 0.50% · 4.625%
HK$79,479
+HK$3,980/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,998/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,264
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,667
−HK$2,442/mo
Today · 4.125%
HK$82,109
baseline
▲ 0.50% · 4.625%
HK$87,105
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,218/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,955
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,261
−HK$2,338/mo
Today · 4.125%
HK$90,599
baseline
▲ 0.50% · 4.625%
HK$95,375
+HK$4,776/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,198/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,141
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,945
−HK$2,849/mo
Today · 4.125%
HK$95,794
baseline
▲ 0.50% · 4.625%
HK$101,623
+HK$5,829/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,588/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,281
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,971
−HK$2,728/mo
Today · 4.125%
HK$105,699
baseline
▲ 0.50% · 4.625%
HK$111,271
+HK$5,572/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,398/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,896
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$119,501
−HK$3,662/mo
Today · 4.125%
HK$123,163
baseline
▲ 0.50% · 4.625%
HK$130,658
+HK$7,495/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,326/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,933
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,391
−HK$3,508/mo
Today · 4.125%
HK$135,899
baseline
▲ 0.50% · 4.625%
HK$143,062
+HK$7,163/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,798/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,053 · Scale 2, in force from 26 Feb 2026)