LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,119
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,082
−HK$1,995/mo
Today · 4.125%
HK$67,077
baseline
▲ 0.50% · 4.625%
HK$71,158
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,154/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,219
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,102
−HK$1,911/mo
Today · 4.125%
HK$74,013
baseline
▲ 0.50% · 4.625%
HK$77,914
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,026/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,742
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,098
−HK$2,394/mo
Today · 4.125%
HK$80,492
baseline
▲ 0.50% · 4.625%
HK$85,390
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,984/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,263
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,523
−HK$2,292/mo
Today · 4.125%
HK$88,815
baseline
▲ 0.50% · 4.625%
HK$93,497
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,630/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,366
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,115
−HK$2,792/mo
Today · 4.125%
HK$93,907
baseline
▲ 0.50% · 4.625%
HK$99,622
+HK$5,715/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$187,814/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,306
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,943
−HK$2,675/mo
Today · 4.125%
HK$103,618
baseline
▲ 0.50% · 4.625%
HK$109,079
+HK$5,461/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$207,236/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,614
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,148
−HK$3,590/mo
Today · 4.125%
HK$120,738
baseline
▲ 0.50% · 4.625%
HK$128,085
+HK$7,347/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,476/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,394
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,784
−HK$3,439/mo
Today · 4.125%
HK$133,223
baseline
▲ 0.50% · 4.625%
HK$140,245
+HK$7,022/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,446/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,423 · Scale 2, in force from 26 Feb 2026)