LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,009
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,031
−HK$2,055/mo
Today · 4.125%
HK$69,086
baseline
▲ 0.50% · 4.625%
HK$73,289
+HK$4,203/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,172/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,322
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,261
−HK$1,968/mo
Today · 4.125%
HK$76,229
baseline
▲ 0.50% · 4.625%
HK$80,247
+HK$4,018/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,458/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,011
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,437
−HK$2,466/mo
Today · 4.125%
HK$82,903
baseline
▲ 0.50% · 4.625%
HK$87,947
+HK$5,044/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,806/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,786
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,114
−HK$2,361/mo
Today · 4.125%
HK$91,475
baseline
▲ 0.50% · 4.625%
HK$96,297
+HK$4,822/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,950/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,013
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,844
−HK$2,876/mo
Today · 4.125%
HK$96,720
baseline
▲ 0.50% · 4.625%
HK$102,605
+HK$5,885/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,440/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,251
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,966
−HK$2,755/mo
Today · 4.125%
HK$106,721
baseline
▲ 0.50% · 4.625%
HK$112,346
+HK$5,625/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,442/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,016
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,656
−HK$3,698/mo
Today · 4.125%
HK$124,354
baseline
▲ 0.50% · 4.625%
HK$131,921
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,708/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,179
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$133,671
−HK$3,541/mo
Today · 4.125%
HK$137,212
baseline
▲ 0.50% · 4.625%
HK$144,445
+HK$7,233/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,424/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,654 · Scale 2, in force from 26 Feb 2026)