LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,103
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,066
−HK$1,994/mo
Today · 4.125%
HK$67,060
baseline
▲ 0.50% · 4.625%
HK$71,141
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,120/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,202
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,085
−HK$1,910/mo
Today · 4.125%
HK$73,995
baseline
▲ 0.50% · 4.625%
HK$77,895
+HK$3,900/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$147,990/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,724
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,079
−HK$2,394/mo
Today · 4.125%
HK$80,473
baseline
▲ 0.50% · 4.625%
HK$85,369
+HK$4,896/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,946/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,242
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,292/mo
Today · 4.125%
HK$88,793
baseline
▲ 0.50% · 4.625%
HK$93,474
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,586/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,345
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,093
−HK$2,792/mo
Today · 4.125%
HK$93,885
baseline
▲ 0.50% · 4.625%
HK$99,597
+HK$5,712/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,770/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,283
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,918
−HK$2,674/mo
Today · 4.125%
HK$103,592
baseline
▲ 0.50% · 4.625%
HK$109,053
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,184/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,586
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,119
−HK$3,590/mo
Today · 4.125%
HK$120,709
baseline
▲ 0.50% · 4.625%
HK$128,054
+HK$7,345/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,418/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,363
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,752
−HK$3,438/mo
Today · 4.125%
HK$133,190
baseline
▲ 0.50% · 4.625%
HK$140,211
+HK$7,021/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,380/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,136 · Scale 2, in force from 26 Feb 2026)