LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,075
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,037
−HK$1,994/mo
Today · 4.125%
HK$67,031
baseline
▲ 0.50% · 4.625%
HK$71,110
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,062/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,171
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,053
−HK$1,909/mo
Today · 4.125%
HK$73,962
baseline
▲ 0.50% · 4.625%
HK$77,861
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,924/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,691
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,045
−HK$2,392/mo
Today · 4.125%
HK$80,437
baseline
▲ 0.50% · 4.625%
HK$85,331
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$160,874/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,205
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,463
−HK$2,291/mo
Today · 4.125%
HK$88,754
baseline
▲ 0.50% · 4.625%
HK$93,433
+HK$4,679/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$177,508/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,306
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,052
−HK$2,791/mo
Today · 4.125%
HK$93,843
baseline
▲ 0.50% · 4.625%
HK$99,553
+HK$5,710/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,686/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,239
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,874
−HK$2,673/mo
Today · 4.125%
HK$103,547
baseline
▲ 0.50% · 4.625%
HK$109,005
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,094/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,536
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,067
−HK$3,589/mo
Today · 4.125%
HK$120,656
baseline
▲ 0.50% · 4.625%
HK$127,997
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,312/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,308
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,695
−HK$3,437/mo
Today · 4.125%
HK$133,132
baseline
▲ 0.50% · 4.625%
HK$140,149
+HK$7,017/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,264/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,617 · Scale 2, in force from 26 Feb 2026)