LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,933
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,953
−HK$2,052/mo
Today · 4.125%
HK$69,005
baseline
▲ 0.50% · 4.625%
HK$73,204
+HK$4,199/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,010/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,238
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,175
−HK$1,966/mo
Today · 4.125%
HK$76,141
baseline
▲ 0.50% · 4.625%
HK$80,154
+HK$4,013/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,282/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,920
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,344
−HK$2,462/mo
Today · 4.125%
HK$82,806
baseline
▲ 0.50% · 4.625%
HK$87,845
+HK$5,039/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,612/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,685
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,010
−HK$2,359/mo
Today · 4.125%
HK$91,369
baseline
▲ 0.50% · 4.625%
HK$96,185
+HK$4,816/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,738/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,907
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,734
−HK$2,873/mo
Today · 4.125%
HK$96,607
baseline
▲ 0.50% · 4.625%
HK$102,486
+HK$5,879/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,214/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,133
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,845
−HK$2,752/mo
Today · 4.125%
HK$106,597
baseline
▲ 0.50% · 4.625%
HK$112,216
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,194/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,880
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,516
−HK$3,694/mo
Today · 4.125%
HK$124,210
baseline
▲ 0.50% · 4.625%
HK$131,767
+HK$7,557/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,420/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,028
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$133,515
−HK$3,538/mo
Today · 4.125%
HK$137,053
baseline
▲ 0.50% · 4.625%
HK$144,277
+HK$7,224/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,106/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,246 · Scale 2, in force from 26 Feb 2026)