LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,800
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,816
−HK$2,048/mo
Today · 4.125%
HK$68,864
baseline
▲ 0.50% · 4.625%
HK$73,054
+HK$4,190/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,728/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,090
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,023
−HK$1,962/mo
Today · 4.125%
HK$75,985
baseline
▲ 0.50% · 4.625%
HK$79,990
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,970/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,760
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,179
−HK$2,458/mo
Today · 4.125%
HK$82,637
baseline
▲ 0.50% · 4.625%
HK$87,665
+HK$5,028/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,274/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,508
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,828
−HK$2,353/mo
Today · 4.125%
HK$91,181
baseline
▲ 0.50% · 4.625%
HK$95,988
+HK$4,807/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,362/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,720
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,542
−HK$2,867/mo
Today · 4.125%
HK$96,409
baseline
▲ 0.50% · 4.625%
HK$102,276
+HK$5,867/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$192,818/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,926
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,632
−HK$2,746/mo
Today · 4.125%
HK$106,378
baseline
▲ 0.50% · 4.625%
HK$111,986
+HK$5,608/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$212,756/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,641
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,269
−HK$3,686/mo
Today · 4.125%
HK$123,955
baseline
▲ 0.50% · 4.625%
HK$131,497
+HK$7,542/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,910/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,762
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,242
−HK$3,530/mo
Today · 4.125%
HK$136,772
baseline
▲ 0.50% · 4.625%
HK$143,982
+HK$7,210/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,544/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,766 · Scale 2, in force from 26 Feb 2026)