LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,070
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,032
−HK$1,993/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$71,104
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,165
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,047
−HK$1,909/mo
Today · 4.125%
HK$73,956
baseline
▲ 0.50% · 4.625%
HK$77,854
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,912/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,685
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,039
−HK$2,392/mo
Today · 4.125%
HK$80,431
baseline
▲ 0.50% · 4.625%
HK$85,325
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$160,862/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,198
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,456
−HK$2,291/mo
Today · 4.125%
HK$88,747
baseline
▲ 0.50% · 4.625%
HK$93,425
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$177,494/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,299
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,045
−HK$2,791/mo
Today · 4.125%
HK$93,836
baseline
▲ 0.50% · 4.625%
HK$99,545
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,672/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,231
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,866
−HK$2,672/mo
Today · 4.125%
HK$103,538
baseline
▲ 0.50% · 4.625%
HK$108,996
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,076/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,527
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,058
−HK$3,588/mo
Today · 4.125%
HK$120,646
baseline
▲ 0.50% · 4.625%
HK$127,987
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,292/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,297
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,685
−HK$3,436/mo
Today · 4.125%
HK$133,121
baseline
▲ 0.50% · 4.625%
HK$140,138
+HK$7,017/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,242/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,523 · Scale 2, in force from 26 Feb 2026)