LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,963
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,984
−HK$2,053/mo
Today · 4.125%
HK$69,037
baseline
▲ 0.50% · 4.625%
HK$73,238
+HK$4,201/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,074/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,271
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,209
−HK$1,967/mo
Today · 4.125%
HK$76,176
baseline
▲ 0.50% · 4.625%
HK$80,191
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,352/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,956
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,381
−HK$2,464/mo
Today · 4.125%
HK$82,845
baseline
▲ 0.50% · 4.625%
HK$87,886
+HK$5,041/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$165,690/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,725
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,051
−HK$2,360/mo
Today · 4.125%
HK$91,411
baseline
▲ 0.50% · 4.625%
HK$96,229
+HK$4,818/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$182,822/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,949
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,778
−HK$2,874/mo
Today · 4.125%
HK$96,652
baseline
▲ 0.50% · 4.625%
HK$102,533
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,304/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,180
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,893
−HK$2,753/mo
Today · 4.125%
HK$106,646
baseline
▲ 0.50% · 4.625%
HK$112,267
+HK$5,621/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,292/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,934
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$120,571
−HK$3,696/mo
Today · 4.125%
HK$124,267
baseline
▲ 0.50% · 4.625%
HK$131,828
+HK$7,561/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,534/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,088
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,577
−HK$3,539/mo
Today · 4.125%
HK$137,116
baseline
▲ 0.50% · 4.625%
HK$144,344
+HK$7,228/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,232/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,805 · Scale 2, in force from 26 Feb 2026)