LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,123
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,995/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$71,163
+HK$4,081/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,224
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,107
−HK$1,911/mo
Today · 4.125%
HK$74,018
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,036/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,748
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,104
−HK$2,394/mo
Today · 4.125%
HK$80,498
baseline
▲ 0.50% · 4.625%
HK$85,396
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,996/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,269
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,529
−HK$2,292/mo
Today · 4.125%
HK$88,821
baseline
▲ 0.50% · 4.625%
HK$93,503
+HK$4,682/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$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,372
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,121
−HK$2,793/mo
Today · 4.125%
HK$93,914
baseline
▲ 0.50% · 4.625%
HK$99,629
+HK$5,715/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$187,828/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,313
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,950
−HK$2,675/mo
Today · 4.125%
HK$103,625
baseline
▲ 0.50% · 4.625%
HK$109,087
+HK$5,462/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$207,250/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,622
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,156
−HK$3,591/mo
Today · 4.125%
HK$120,747
baseline
▲ 0.50% · 4.625%
HK$128,094
+HK$7,347/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,494/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,403
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,793
−HK$3,439/mo
Today · 4.125%
HK$133,232
baseline
▲ 0.50% · 4.625%
HK$140,255
+HK$7,023/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,464/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,506 · Scale 2, in force from 26 Feb 2026)