LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,704
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,717
−HK$2,045/mo
Today · 4.125%
HK$68,762
baseline
▲ 0.50% · 4.625%
HK$72,946
+HK$4,184/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,524/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,983
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,914
−HK$1,958/mo
Today · 4.125%
HK$75,872
baseline
▲ 0.50% · 4.625%
HK$79,871
+HK$3,999/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,744/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,645
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,061
−HK$2,453/mo
Today · 4.125%
HK$82,514
baseline
▲ 0.50% · 4.625%
HK$87,535
+HK$5,021/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,028/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,380
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,696
−HK$2,351/mo
Today · 4.125%
HK$91,047
baseline
▲ 0.50% · 4.625%
HK$95,846
+HK$4,799/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,094/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,586
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,404
−HK$2,863/mo
Today · 4.125%
HK$96,267
baseline
▲ 0.50% · 4.625%
HK$102,124
+HK$5,857/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,534/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,776
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$103,479
−HK$2,742/mo
Today · 4.125%
HK$106,221
baseline
▲ 0.50% · 4.625%
HK$111,820
+HK$5,599/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,442/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,468
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,091
−HK$3,681/mo
Today · 4.125%
HK$123,772
baseline
▲ 0.50% · 4.625%
HK$131,303
+HK$7,531/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,544/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,570
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,045
−HK$3,525/mo
Today · 4.125%
HK$136,570
baseline
▲ 0.50% · 4.625%
HK$143,769
+HK$7,199/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,140/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,979 · Scale 2, in force from 26 Feb 2026)