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$71,157
+HK$4,082/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$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,217
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,100
−HK$1,911/mo
Today · 4.125%
HK$74,011
baseline
▲ 0.50% · 4.625%
HK$77,912
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,022/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,097
−HK$2,393/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$85,388
+HK$4,898/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$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,261
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,520
−HK$2,293/mo
Today · 4.125%
HK$88,813
baseline
▲ 0.50% · 4.625%
HK$93,494
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,626/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,364
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,113
−HK$2,792/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$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,304
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,941
−HK$2,674/mo
Today · 4.125%
HK$103,615
baseline
▲ 0.50% · 4.625%
HK$109,077
+HK$5,462/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$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,611
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,145
−HK$3,590/mo
Today · 4.125%
HK$120,735
baseline
▲ 0.50% · 4.625%
HK$128,082
+HK$7,347/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$1,176,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,391
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,781
−HK$3,438/mo
Today · 4.125%
HK$133,219
baseline
▲ 0.50% · 4.625%
HK$140,242
+HK$7,023/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$1,176,394 · Scale 2, in force from 26 Feb 2026)