LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,940
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,960
−HK$2,052/mo
Today · 4.125%
HK$69,012
baseline
▲ 0.50% · 4.625%
HK$73,212
+HK$4,200/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,024/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,245
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,183
−HK$1,965/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,162
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,928
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,352
−HK$2,463/mo
Today · 4.125%
HK$82,815
baseline
▲ 0.50% · 4.625%
HK$87,854
+HK$5,039/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,630/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,694
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,019
−HK$2,359/mo
Today · 4.125%
HK$91,378
baseline
▲ 0.50% · 4.625%
HK$96,195
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,756/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,916
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,744
−HK$2,873/mo
Today · 4.125%
HK$96,617
baseline
▲ 0.50% · 4.625%
HK$102,496
+HK$5,879/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$193,234/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,143
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,856
−HK$2,752/mo
Today · 4.125%
HK$106,608
baseline
▲ 0.50% · 4.625%
HK$112,227
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$213,216/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,892
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,528
−HK$3,694/mo
Today · 4.125%
HK$124,222
baseline
▲ 0.50% · 4.625%
HK$131,781
+HK$7,559/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,444/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,041
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,529
−HK$3,538/mo
Today · 4.125%
HK$137,067
baseline
▲ 0.50% · 4.625%
HK$144,292
+HK$7,225/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,134/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,369 · Scale 2, in force from 26 Feb 2026)