LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,959
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,979
−HK$2,053/mo
Today · 4.125%
HK$69,032
baseline
▲ 0.50% · 4.625%
HK$73,233
+HK$4,201/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,064/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,266
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,204
−HK$1,966/mo
Today · 4.125%
HK$76,170
baseline
▲ 0.50% · 4.625%
HK$80,185
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,340/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,951
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,375
−HK$2,464/mo
Today · 4.125%
HK$82,839
baseline
▲ 0.50% · 4.625%
HK$87,879
+HK$5,040/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$165,678/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,719
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,045
−HK$2,360/mo
Today · 4.125%
HK$91,405
baseline
▲ 0.50% · 4.625%
HK$96,223
+HK$4,818/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$182,810/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,942
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,771
−HK$2,874/mo
Today · 4.125%
HK$96,645
baseline
▲ 0.50% · 4.625%
HK$102,526
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,290/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,173
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,886
−HK$2,753/mo
Today · 4.125%
HK$106,639
baseline
▲ 0.50% · 4.625%
HK$112,260
+HK$5,621/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,278/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,926
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,563
−HK$3,695/mo
Today · 4.125%
HK$124,258
baseline
▲ 0.50% · 4.625%
HK$131,819
+HK$7,561/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,516/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,079
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,568
−HK$3,539/mo
Today · 4.125%
HK$137,107
baseline
▲ 0.50% · 4.625%
HK$144,334
+HK$7,227/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,214/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,721 · Scale 2, in force from 26 Feb 2026)