LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,820
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,836
−HK$2,049/mo
Today · 4.125%
HK$68,885
baseline
▲ 0.50% · 4.625%
HK$73,076
+HK$4,191/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,770/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,112
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,046
−HK$1,962/mo
Today · 4.125%
HK$76,008
baseline
▲ 0.50% · 4.625%
HK$80,014
+HK$4,006/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$152,016/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,784
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,204
−HK$2,458/mo
Today · 4.125%
HK$82,662
baseline
▲ 0.50% · 4.625%
HK$87,692
+HK$5,030/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,324/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,534
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,855
−HK$2,354/mo
Today · 4.125%
HK$91,209
baseline
▲ 0.50% · 4.625%
HK$96,017
+HK$4,808/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,418/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,748
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,571
−HK$2,868/mo
Today · 4.125%
HK$96,439
baseline
▲ 0.50% · 4.625%
HK$102,307
+HK$5,868/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,878/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,956
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,664
−HK$2,747/mo
Today · 4.125%
HK$106,411
baseline
▲ 0.50% · 4.625%
HK$112,020
+HK$5,609/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,822/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,676
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,306
−HK$3,687/mo
Today · 4.125%
HK$123,993
baseline
▲ 0.50% · 4.625%
HK$131,538
+HK$7,545/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,986/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,801
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,282
−HK$3,532/mo
Today · 4.125%
HK$136,814
baseline
▲ 0.50% · 4.625%
HK$144,026
+HK$7,212/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,628/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,135 · Scale 2, in force from 26 Feb 2026)