LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,401
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,404
−HK$2,036/mo
Today · 4.125%
HK$68,440
baseline
▲ 0.50% · 4.625%
HK$72,604
+HK$4,164/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,880/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,646
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,567
−HK$1,949/mo
Today · 4.125%
HK$75,516
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,032/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,281
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,685
−HK$2,443/mo
Today · 4.125%
HK$82,128
baseline
▲ 0.50% · 4.625%
HK$87,125
+HK$4,997/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,256/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,975
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,281
−HK$2,339/mo
Today · 4.125%
HK$90,620
baseline
▲ 0.50% · 4.625%
HK$95,396
+HK$4,776/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,240/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,162
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,966
−HK$2,850/mo
Today · 4.125%
HK$95,816
baseline
▲ 0.50% · 4.625%
HK$101,646
+HK$5,830/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,632/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,304
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,994
−HK$2,729/mo
Today · 4.125%
HK$105,723
baseline
▲ 0.50% · 4.625%
HK$111,296
+HK$5,573/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,446/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,922
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,528
−HK$3,663/mo
Today · 4.125%
HK$123,191
baseline
▲ 0.50% · 4.625%
HK$130,687
+HK$7,496/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,382/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,962
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,421
−HK$3,509/mo
Today · 4.125%
HK$135,930
baseline
▲ 0.50% · 4.625%
HK$143,095
+HK$7,165/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,860/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,325 · Scale 2, in force from 26 Feb 2026)