LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,413
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,416
−HK$2,036/mo
Today · 4.125%
HK$68,452
baseline
▲ 0.50% · 4.625%
HK$72,617
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,904/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,659
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,580
−HK$1,950/mo
Today · 4.125%
HK$75,530
baseline
▲ 0.50% · 4.625%
HK$79,511
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,060/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,295
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,700
−HK$2,442/mo
Today · 4.125%
HK$82,142
baseline
▲ 0.50% · 4.625%
HK$87,141
+HK$4,999/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,284/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,990
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,297
−HK$2,339/mo
Today · 4.125%
HK$90,636
baseline
▲ 0.50% · 4.625%
HK$95,414
+HK$4,778/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,272/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,178
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,983
−HK$2,850/mo
Today · 4.125%
HK$95,833
baseline
▲ 0.50% · 4.625%
HK$101,664
+HK$5,831/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,666/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,322
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,013
−HK$2,729/mo
Today · 4.125%
HK$105,742
baseline
▲ 0.50% · 4.625%
HK$111,316
+HK$5,574/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,484/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,943
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,550
−HK$3,664/mo
Today · 4.125%
HK$123,214
baseline
▲ 0.50% · 4.625%
HK$130,711
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,428/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,985
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,445
−HK$3,509/mo
Today · 4.125%
HK$135,954
baseline
▲ 0.50% · 4.625%
HK$143,120
+HK$7,166/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,908/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,542 · Scale 2, in force from 26 Feb 2026)