LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,065
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,027
−HK$1,993/mo
Today · 4.125%
HK$67,020
baseline
▲ 0.50% · 4.625%
HK$71,098
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,040/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,160
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,041
−HK$1,909/mo
Today · 4.125%
HK$73,950
baseline
▲ 0.50% · 4.625%
HK$77,848
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,900/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,679
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,033
−HK$2,391/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$85,318
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,450
−HK$2,290/mo
Today · 4.125%
HK$88,740
baseline
▲ 0.50% · 4.625%
HK$93,418
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,480/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,292
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,038
−HK$2,790/mo
Today · 4.125%
HK$93,828
baseline
▲ 0.50% · 4.625%
HK$99,538
+HK$5,710/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,656/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,224
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,858
−HK$2,672/mo
Today · 4.125%
HK$103,530
baseline
▲ 0.50% · 4.625%
HK$108,988
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,060/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,518
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,049
−HK$3,587/mo
Today · 4.125%
HK$120,636
baseline
▲ 0.50% · 4.625%
HK$127,977
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,272/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,287
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,674
−HK$3,436/mo
Today · 4.125%
HK$133,110
baseline
▲ 0.50% · 4.625%
HK$140,127
+HK$7,017/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,220/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,431 · Scale 2, in force from 26 Feb 2026)