LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,080
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,042
−HK$1,993/mo
Today · 4.125%
HK$67,035
baseline
▲ 0.50% · 4.625%
HK$71,114
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,070/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,175
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,057
−HK$1,910/mo
Today · 4.125%
HK$73,967
baseline
▲ 0.50% · 4.625%
HK$77,866
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,934/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,696
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,050
−HK$2,392/mo
Today · 4.125%
HK$80,442
baseline
▲ 0.50% · 4.625%
HK$85,337
+HK$4,895/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,884/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,210
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,469
−HK$2,291/mo
Today · 4.125%
HK$88,760
baseline
▲ 0.50% · 4.625%
HK$93,439
+HK$4,679/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,520/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,311
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,058
−HK$2,791/mo
Today · 4.125%
HK$93,849
baseline
▲ 0.50% · 4.625%
HK$99,560
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,698/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,246
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,880
−HK$2,673/mo
Today · 4.125%
HK$103,553
baseline
▲ 0.50% · 4.625%
HK$109,012
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,106/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,543
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,075
−HK$3,588/mo
Today · 4.125%
HK$120,663
baseline
▲ 0.50% · 4.625%
HK$128,006
+HK$7,343/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,326/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,316
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,703
−HK$3,437/mo
Today · 4.125%
HK$133,140
baseline
▲ 0.50% · 4.625%
HK$140,158
+HK$7,018/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,280/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,694 · Scale 2, in force from 26 Feb 2026)