LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,111
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,074
−HK$1,994/mo
Today · 4.125%
HK$67,068
baseline
▲ 0.50% · 4.625%
HK$71,149
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,136/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,210
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,093
−HK$1,910/mo
Today · 4.125%
HK$74,003
baseline
▲ 0.50% · 4.625%
HK$77,904
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,006/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,733
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,088
−HK$2,394/mo
Today · 4.125%
HK$80,482
baseline
▲ 0.50% · 4.625%
HK$85,379
+HK$4,897/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,964/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,252
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,511
−HK$2,293/mo
Today · 4.125%
HK$88,804
baseline
▲ 0.50% · 4.625%
HK$93,485
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,608/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,355
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,103
−HK$2,792/mo
Today · 4.125%
HK$93,895
baseline
▲ 0.50% · 4.625%
HK$99,609
+HK$5,714/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,790/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,294
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,930
−HK$2,674/mo
Today · 4.125%
HK$103,604
baseline
▲ 0.50% · 4.625%
HK$109,065
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,208/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,599
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,133
−HK$3,590/mo
Today · 4.125%
HK$120,723
baseline
▲ 0.50% · 4.625%
HK$128,068
+HK$7,345/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,446/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,378
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,767
−HK$3,439/mo
Today · 4.125%
HK$133,206
baseline
▲ 0.50% · 4.625%
HK$140,227
+HK$7,021/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,412/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,271 · Scale 2, in force from 26 Feb 2026)