LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,722
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,736
−HK$2,045/mo
Today · 4.125%
HK$68,781
baseline
▲ 0.50% · 4.625%
HK$72,966
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,562/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,003
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,934
−HK$1,959/mo
Today · 4.125%
HK$75,893
baseline
▲ 0.50% · 4.625%
HK$79,894
+HK$4,001/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,786/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,667
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,083
−HK$2,454/mo
Today · 4.125%
HK$82,537
baseline
▲ 0.50% · 4.625%
HK$87,560
+HK$5,023/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,074/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,404
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,721
−HK$2,351/mo
Today · 4.125%
HK$91,072
baseline
▲ 0.50% · 4.625%
HK$95,872
+HK$4,800/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,144/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,611
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,430
−HK$2,864/mo
Today · 4.125%
HK$96,294
baseline
▲ 0.50% · 4.625%
HK$102,153
+HK$5,859/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$192,588/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,804
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,508
−HK$2,742/mo
Today · 4.125%
HK$106,250
baseline
▲ 0.50% · 4.625%
HK$111,851
+HK$5,601/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$212,500/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,500
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,124
−HK$3,682/mo
Today · 4.125%
HK$123,806
baseline
▲ 0.50% · 4.625%
HK$131,339
+HK$7,533/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$247,612/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,606
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$133,081
−HK$3,527/mo
Today · 4.125%
HK$136,608
baseline
▲ 0.50% · 4.625%
HK$143,808
+HK$7,200/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$273,216/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,314 · Scale 2, in force from 26 Feb 2026)