LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,970
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,990
−HK$2,054/mo
Today · 4.125%
HK$69,044
baseline
▲ 0.50% · 4.625%
HK$73,245
+HK$4,201/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,088/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,278
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,216
−HK$1,967/mo
Today · 4.125%
HK$76,183
baseline
▲ 0.50% · 4.625%
HK$80,199
+HK$4,016/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,366/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,963
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,389
−HK$2,463/mo
Today · 4.125%
HK$82,852
baseline
▲ 0.50% · 4.625%
HK$87,894
+HK$5,042/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,704/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,734
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,060
−HK$2,359/mo
Today · 4.125%
HK$91,419
baseline
▲ 0.50% · 4.625%
HK$96,238
+HK$4,819/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,838/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,957
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,787
−HK$2,874/mo
Today · 4.125%
HK$96,661
baseline
▲ 0.50% · 4.625%
HK$102,543
+HK$5,882/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,322/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,189
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,903
−HK$2,753/mo
Today · 4.125%
HK$106,656
baseline
▲ 0.50% · 4.625%
HK$112,278
+HK$5,622/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,312/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,945
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,583
−HK$3,696/mo
Today · 4.125%
HK$124,279
baseline
▲ 0.50% · 4.625%
HK$131,841
+HK$7,562/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,558/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,100
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,590
−HK$3,539/mo
Today · 4.125%
HK$137,129
baseline
▲ 0.50% · 4.625%
HK$144,357
+HK$7,228/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,258/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,919 · Scale 2, in force from 26 Feb 2026)