LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,408
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,412
−HK$2,035/mo
Today · 4.125%
HK$68,447
baseline
▲ 0.50% · 4.625%
HK$72,612
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,894/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,654
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,575
−HK$1,950/mo
Today · 4.125%
HK$75,525
baseline
▲ 0.50% · 4.625%
HK$79,506
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,050/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,290
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,694
−HK$2,443/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$87,135
+HK$4,998/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,984
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,291
−HK$2,339/mo
Today · 4.125%
HK$90,630
baseline
▲ 0.50% · 4.625%
HK$95,407
+HK$4,777/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,260/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,172
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,977
−HK$2,849/mo
Today · 4.125%
HK$95,826
baseline
▲ 0.50% · 4.625%
HK$101,657
+HK$5,831/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,652/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,315
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,006
−HK$2,729/mo
Today · 4.125%
HK$105,735
baseline
▲ 0.50% · 4.625%
HK$111,308
+HK$5,573/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,470/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,935
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,541
−HK$3,664/mo
Today · 4.125%
HK$123,205
baseline
▲ 0.50% · 4.625%
HK$130,702
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,410/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,977
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,436
−HK$3,509/mo
Today · 4.125%
HK$135,945
baseline
▲ 0.50% · 4.625%
HK$143,111
+HK$7,166/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,890/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,461 · Scale 2, in force from 26 Feb 2026)