LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,123
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,995/mo
Today · 4.125%
HK$67,081
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,162/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,223
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,107
−HK$1,910/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,747
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,394/mo
Today · 4.125%
HK$80,497
baseline
▲ 0.50% · 4.625%
HK$85,395
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,994/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,268
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,528
−HK$2,293/mo
Today · 4.125%
HK$88,821
baseline
▲ 0.50% · 4.625%
HK$93,502
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,642/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,372
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,120
−HK$2,793/mo
Today · 4.125%
HK$93,913
baseline
▲ 0.50% · 4.625%
HK$99,628
+HK$5,715/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$187,826/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,312
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,949
−HK$2,675/mo
Today · 4.125%
HK$103,624
baseline
▲ 0.50% · 4.625%
HK$109,086
+HK$5,462/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$207,248/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,621
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,155
−HK$3,591/mo
Today · 4.125%
HK$120,746
baseline
▲ 0.50% · 4.625%
HK$128,093
+HK$7,347/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,492/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,402
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,792
−HK$3,439/mo
Today · 4.125%
HK$133,231
baseline
▲ 0.50% · 4.625%
HK$140,254
+HK$7,023/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,462/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,495 · Scale 2, in force from 26 Feb 2026)