LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,091
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,053
−HK$1,994/mo
Today · 4.125%
HK$67,047
baseline
▲ 0.50% · 4.625%
HK$71,127
+HK$4,080/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,094/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,188
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,070
−HK$1,910/mo
Today · 4.125%
HK$73,980
baseline
▲ 0.50% · 4.625%
HK$77,879
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,960/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,709
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,064
−HK$2,392/mo
Today · 4.125%
HK$80,456
baseline
▲ 0.50% · 4.625%
HK$85,352
+HK$4,896/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,912/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,225
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,484
−HK$2,292/mo
Today · 4.125%
HK$88,776
baseline
▲ 0.50% · 4.625%
HK$93,455
+HK$4,679/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,552/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,327
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,074
−HK$2,792/mo
Today · 4.125%
HK$93,866
baseline
▲ 0.50% · 4.625%
HK$99,577
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,732/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,263
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,898
−HK$2,674/mo
Today · 4.125%
HK$103,572
baseline
▲ 0.50% · 4.625%
HK$109,031
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,144/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,563
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,096
−HK$3,589/mo
Today · 4.125%
HK$120,685
baseline
▲ 0.50% · 4.625%
HK$128,028
+HK$7,343/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,370/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,338
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,726
−HK$3,438/mo
Today · 4.125%
HK$133,164
baseline
▲ 0.50% · 4.625%
HK$140,183
+HK$7,019/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,328/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,901 · Scale 2, in force from 26 Feb 2026)