LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,118
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,081
−HK$1,995/mo
Today · 4.125%
HK$67,076
baseline
▲ 0.50% · 4.625%
HK$71,157
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,152/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,218
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,101
−HK$1,911/mo
Today · 4.125%
HK$74,012
baseline
▲ 0.50% · 4.625%
HK$77,913
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,024/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,097
−HK$2,394/mo
Today · 4.125%
HK$80,491
baseline
▲ 0.50% · 4.625%
HK$85,389
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,982/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,262
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,521
−HK$2,293/mo
Today · 4.125%
HK$88,814
baseline
▲ 0.50% · 4.625%
HK$93,496
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,628/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,365
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,114
−HK$2,792/mo
Today · 4.125%
HK$93,906
baseline
▲ 0.50% · 4.625%
HK$99,620
+HK$5,714/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$187,812/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,305
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,942
−HK$2,674/mo
Today · 4.125%
HK$103,616
baseline
▲ 0.50% · 4.625%
HK$109,078
+HK$5,462/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$207,232/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,612
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,146
−HK$3,591/mo
Today · 4.125%
HK$120,737
baseline
▲ 0.50% · 4.625%
HK$128,083
+HK$7,346/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,474/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,392
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,782
−HK$3,439/mo
Today · 4.125%
HK$133,221
baseline
▲ 0.50% · 4.625%
HK$140,243
+HK$7,022/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,442/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,408 · Scale 2, in force from 26 Feb 2026)