LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,052
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,013
−HK$1,992/mo
Today · 4.125%
HK$67,005
baseline
▲ 0.50% · 4.625%
HK$71,083
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,010/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$1,909/mo
Today · 4.125%
HK$73,934
baseline
▲ 0.50% · 4.625%
HK$77,831
+HK$3,897/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,868/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,662
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,015
−HK$2,392/mo
Today · 4.125%
HK$80,407
baseline
▲ 0.50% · 4.625%
HK$85,299
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,814/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,173
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,431
−HK$2,290/mo
Today · 4.125%
HK$88,721
baseline
▲ 0.50% · 4.625%
HK$93,397
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,442/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,272
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,018
−HK$2,790/mo
Today · 4.125%
HK$93,808
baseline
▲ 0.50% · 4.625%
HK$99,516
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,616/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,202
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,836
−HK$2,671/mo
Today · 4.125%
HK$103,507
baseline
▲ 0.50% · 4.625%
HK$108,963
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,014/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,493
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,023
−HK$3,587/mo
Today · 4.125%
HK$120,610
baseline
▲ 0.50% · 4.625%
HK$127,949
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,220/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,260
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,646
−HK$3,435/mo
Today · 4.125%
HK$133,081
baseline
▲ 0.50% · 4.625%
HK$140,096
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,162/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,171 · Scale 2, in force from 26 Feb 2026)