LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,098
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,060
−HK$1,994/mo
Today · 4.125%
HK$67,054
baseline
▲ 0.50% · 4.625%
HK$71,135
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,108/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,196
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,078
−HK$1,910/mo
Today · 4.125%
HK$73,988
baseline
▲ 0.50% · 4.625%
HK$77,888
+HK$3,900/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$147,976/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,717
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,072
−HK$2,393/mo
Today · 4.125%
HK$80,465
baseline
▲ 0.50% · 4.625%
HK$85,362
+HK$4,897/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,930/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,235
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,494
−HK$2,292/mo
Today · 4.125%
HK$88,786
baseline
▲ 0.50% · 4.625%
HK$93,466
+HK$4,680/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,572/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,337
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,085
−HK$2,791/mo
Today · 4.125%
HK$93,876
baseline
▲ 0.50% · 4.625%
HK$99,588
+HK$5,712/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,752/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,274
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,909
−HK$2,674/mo
Today · 4.125%
HK$103,583
baseline
▲ 0.50% · 4.625%
HK$109,043
+HK$5,460/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,166/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,576
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,109
−HK$3,589/mo
Today · 4.125%
HK$120,698
baseline
▲ 0.50% · 4.625%
HK$128,042
+HK$7,344/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,396/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,352
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,741
−HK$3,437/mo
Today · 4.125%
HK$133,178
baseline
▲ 0.50% · 4.625%
HK$140,198
+HK$7,020/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,356/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,032 · Scale 2, in force from 26 Feb 2026)