LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,433
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,438
−HK$2,036/mo
Today · 4.125%
HK$68,474
baseline
▲ 0.50% · 4.625%
HK$72,641
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,948/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,682
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,604
−HK$1,950/mo
Today · 4.125%
HK$75,554
baseline
▲ 0.50% · 4.625%
HK$79,537
+HK$3,983/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,108/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,320
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,725
−HK$2,444/mo
Today · 4.125%
HK$82,169
baseline
▲ 0.50% · 4.625%
HK$87,169
+HK$5,000/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,338/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,018
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,325
−HK$2,340/mo
Today · 4.125%
HK$90,665
baseline
▲ 0.50% · 4.625%
HK$95,444
+HK$4,779/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,330/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,207
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,013
−HK$2,851/mo
Today · 4.125%
HK$95,864
baseline
▲ 0.50% · 4.625%
HK$101,697
+HK$5,833/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,728/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,354
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,046
−HK$2,730/mo
Today · 4.125%
HK$105,776
baseline
▲ 0.50% · 4.625%
HK$111,352
+HK$5,576/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,552/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,980
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,588
−HK$3,665/mo
Today · 4.125%
HK$123,253
baseline
▲ 0.50% · 4.625%
HK$130,753
+HK$7,500/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,506/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,027
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,487
−HK$3,511/mo
Today · 4.125%
HK$135,998
baseline
▲ 0.50% · 4.625%
HK$143,166
+HK$7,168/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$271,996/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,928 · Scale 2, in force from 26 Feb 2026)