LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,105
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,068
−HK$1,994/mo
Today · 4.125%
HK$67,062
baseline
▲ 0.50% · 4.625%
HK$71,143
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,124/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,204
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,087
−HK$1,910/mo
Today · 4.125%
HK$73,997
baseline
▲ 0.50% · 4.625%
HK$77,897
+HK$3,900/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$147,994/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,726
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,082
−HK$2,393/mo
Today · 4.125%
HK$80,475
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,896/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,950/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,244
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,504
−HK$2,292/mo
Today · 4.125%
HK$88,796
baseline
▲ 0.50% · 4.625%
HK$93,476
+HK$4,680/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,592/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,347
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,095
−HK$2,792/mo
Today · 4.125%
HK$93,887
baseline
▲ 0.50% · 4.625%
HK$99,600
+HK$5,713/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,774/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,285
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,921
−HK$2,674/mo
Today · 4.125%
HK$103,595
baseline
▲ 0.50% · 4.625%
HK$109,056
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,190/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,589
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,122
−HK$3,590/mo
Today · 4.125%
HK$120,712
baseline
▲ 0.50% · 4.625%
HK$128,057
+HK$7,345/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,424/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,367
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,756
−HK$3,438/mo
Today · 4.125%
HK$133,194
baseline
▲ 0.50% · 4.625%
HK$140,215
+HK$7,021/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,388/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,168 · Scale 2, in force from 26 Feb 2026)