LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,946
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,966
−HK$2,052/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$73,218
+HK$4,200/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,252
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,189
−HK$1,966/mo
Today · 4.125%
HK$76,155
baseline
▲ 0.50% · 4.625%
HK$80,169
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,310/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,935
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,359
−HK$2,463/mo
Today · 4.125%
HK$82,822
baseline
▲ 0.50% · 4.625%
HK$87,862
+HK$5,040/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,644/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,702
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,027
−HK$2,359/mo
Today · 4.125%
HK$91,386
baseline
▲ 0.50% · 4.625%
HK$96,203
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,772/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,924
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,752
−HK$2,874/mo
Today · 4.125%
HK$96,626
baseline
▲ 0.50% · 4.625%
HK$102,505
+HK$5,879/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$193,252/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,152
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,865
−HK$2,752/mo
Today · 4.125%
HK$106,617
baseline
▲ 0.50% · 4.625%
HK$112,237
+HK$5,620/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$213,234/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,902
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,539
−HK$3,694/mo
Today · 4.125%
HK$124,233
baseline
▲ 0.50% · 4.625%
HK$131,792
+HK$7,559/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,466/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,053
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,541
−HK$3,538/mo
Today · 4.125%
HK$137,079
baseline
▲ 0.50% · 4.625%
HK$144,305
+HK$7,226/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,158/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,476 · Scale 2, in force from 26 Feb 2026)