LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,720
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,733
−HK$2,045/mo
Today · 4.125%
HK$68,778
baseline
▲ 0.50% · 4.625%
HK$72,963
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,556/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,000
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,931
−HK$1,959/mo
Today · 4.125%
HK$75,890
baseline
▲ 0.50% · 4.625%
HK$79,890
+HK$4,000/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,780/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,664
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,079
−HK$2,455/mo
Today · 4.125%
HK$82,534
baseline
▲ 0.50% · 4.625%
HK$87,556
+HK$5,022/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,068/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,400
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,717
−HK$2,351/mo
Today · 4.125%
HK$91,068
baseline
▲ 0.50% · 4.625%
HK$95,868
+HK$4,800/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,136/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,608
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,426
−HK$2,863/mo
Today · 4.125%
HK$96,289
baseline
▲ 0.50% · 4.625%
HK$102,148
+HK$5,859/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$192,578/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,800
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,503
−HK$2,743/mo
Today · 4.125%
HK$106,246
baseline
▲ 0.50% · 4.625%
HK$111,846
+HK$5,600/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$212,492/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,495
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,119
−HK$3,682/mo
Today · 4.125%
HK$123,801
baseline
▲ 0.50% · 4.625%
HK$131,334
+HK$7,533/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,602/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,600
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,076
−HK$3,526/mo
Today · 4.125%
HK$136,602
baseline
▲ 0.50% · 4.625%
HK$143,802
+HK$7,200/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,204/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,262 · Scale 2, in force from 26 Feb 2026)