LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,117
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,080
−HK$1,995/mo
Today · 4.125%
HK$67,075
baseline
▲ 0.50% · 4.625%
HK$71,156
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,150/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,217
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,100
−HK$1,910/mo
Today · 4.125%
HK$74,010
baseline
▲ 0.50% · 4.625%
HK$77,912
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,020/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,740
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,096
−HK$2,394/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$85,387
+HK$4,897/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,980/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,260
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,520
−HK$2,292/mo
Today · 4.125%
HK$88,812
baseline
▲ 0.50% · 4.625%
HK$93,494
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,624/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,364
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,112
−HK$2,793/mo
Today · 4.125%
HK$93,905
baseline
▲ 0.50% · 4.625%
HK$99,619
+HK$5,714/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$187,810/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,304
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,940
−HK$2,675/mo
Today · 4.125%
HK$103,615
baseline
▲ 0.50% · 4.625%
HK$109,076
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$207,230/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,610
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,144
−HK$3,591/mo
Today · 4.125%
HK$120,735
baseline
▲ 0.50% · 4.625%
HK$128,081
+HK$7,346/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,470/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,390
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,780
−HK$3,439/mo
Today · 4.125%
HK$133,219
baseline
▲ 0.50% · 4.625%
HK$140,241
+HK$7,022/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,438/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,388 · Scale 2, in force from 26 Feb 2026)