LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,059
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,020
−HK$1,993/mo
Today · 4.125%
HK$67,013
baseline
▲ 0.50% · 4.625%
HK$71,091
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,026/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,152
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,034
−HK$1,909/mo
Today · 4.125%
HK$73,943
baseline
▲ 0.50% · 4.625%
HK$77,840
+HK$3,897/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,886/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,671
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,391/mo
Today · 4.125%
HK$80,416
baseline
▲ 0.50% · 4.625%
HK$85,309
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,832/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,183
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,441
−HK$2,290/mo
Today · 4.125%
HK$88,731
baseline
▲ 0.50% · 4.625%
HK$93,408
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,462/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,283
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,029
−HK$2,790/mo
Today · 4.125%
HK$93,819
baseline
▲ 0.50% · 4.625%
HK$99,527
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,638/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,213
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,847
−HK$2,673/mo
Today · 4.125%
HK$103,520
baseline
▲ 0.50% · 4.625%
HK$108,976
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,040/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,506
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,037
−HK$3,587/mo
Today · 4.125%
HK$120,624
baseline
▲ 0.50% · 4.625%
HK$127,964
+HK$7,340/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,248/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,274
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,661
−HK$3,436/mo
Today · 4.125%
HK$133,097
baseline
▲ 0.50% · 4.625%
HK$140,112
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,194/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,309 · Scale 2, in force from 26 Feb 2026)