LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,720
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,734
−HK$2,045/mo
Today · 4.125%
HK$68,779
baseline
▲ 0.50% · 4.625%
HK$72,964
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,558/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,001
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,932
−HK$1,959/mo
Today · 4.125%
HK$75,891
baseline
▲ 0.50% · 4.625%
HK$79,891
+HK$4,000/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,782/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,664
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,455/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$5,022/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,401
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,718
−HK$2,351/mo
Today · 4.125%
HK$91,069
baseline
▲ 0.50% · 4.625%
HK$95,869
+HK$4,800/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,138/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,609
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,427
−HK$2,863/mo
Today · 4.125%
HK$96,290
baseline
▲ 0.50% · 4.625%
HK$102,150
+HK$5,860/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$192,580/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,801
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,505
−HK$2,742/mo
Today · 4.125%
HK$106,247
baseline
▲ 0.50% · 4.625%
HK$111,847
+HK$5,600/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$212,494/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,497
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,120
−HK$3,682/mo
Today · 4.125%
HK$123,802
baseline
▲ 0.50% · 4.625%
HK$131,335
+HK$7,533/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,604/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,601
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,077
−HK$3,526/mo
Today · 4.125%
HK$136,603
baseline
▲ 0.50% · 4.625%
HK$143,804
+HK$7,201/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,206/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,276 · Scale 2, in force from 26 Feb 2026)