LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,109
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,072
−HK$1,994/mo
Today · 4.125%
HK$67,066
baseline
▲ 0.50% · 4.625%
HK$71,147
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,132/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,208
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,091
−HK$1,910/mo
Today · 4.125%
HK$74,001
baseline
▲ 0.50% · 4.625%
HK$77,901
+HK$3,900/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,002/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,730
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,086
−HK$2,393/mo
Today · 4.125%
HK$80,479
baseline
▲ 0.50% · 4.625%
HK$85,376
+HK$4,897/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,958/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,249
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,509
−HK$2,292/mo
Today · 4.125%
HK$88,801
baseline
▲ 0.50% · 4.625%
HK$93,482
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,602/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,352
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,100
−HK$2,792/mo
Today · 4.125%
HK$93,892
baseline
▲ 0.50% · 4.625%
HK$99,606
+HK$5,714/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,784/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,291
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,927
−HK$2,674/mo
Today · 4.125%
HK$103,601
baseline
▲ 0.50% · 4.625%
HK$109,062
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,202/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,595
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,129
−HK$3,590/mo
Today · 4.125%
HK$120,719
baseline
▲ 0.50% · 4.625%
HK$128,064
+HK$7,345/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,438/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,374
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,763
−HK$3,438/mo
Today · 4.125%
HK$133,201
baseline
▲ 0.50% · 4.625%
HK$140,223
+HK$7,022/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,402/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,234 · Scale 2, in force from 26 Feb 2026)