LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,128
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,995/mo
Today · 4.125%
HK$67,087
baseline
▲ 0.50% · 4.625%
HK$71,169
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,174/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,230
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,113
−HK$1,911/mo
Today · 4.125%
HK$74,024
baseline
▲ 0.50% · 4.625%
HK$77,926
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,048/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,754
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,111
−HK$2,394/mo
Today · 4.125%
HK$80,505
baseline
▲ 0.50% · 4.625%
HK$85,403
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,010/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,276
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,536
−HK$2,293/mo
Today · 4.125%
HK$88,829
baseline
▲ 0.50% · 4.625%
HK$93,511
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,658/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,380
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,129
−HK$2,793/mo
Today · 4.125%
HK$93,922
baseline
▲ 0.50% · 4.625%
HK$99,637
+HK$5,715/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,844/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,322
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,959
−HK$2,675/mo
Today · 4.125%
HK$103,634
baseline
▲ 0.50% · 4.625%
HK$109,096
+HK$5,462/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,268/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,631
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,166
−HK$3,591/mo
Today · 4.125%
HK$120,757
baseline
▲ 0.50% · 4.625%
HK$128,105
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,514/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,414
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,804
−HK$3,439/mo
Today · 4.125%
HK$133,243
baseline
▲ 0.50% · 4.625%
HK$140,267
+HK$7,024/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,486/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,605 · Scale 2, in force from 26 Feb 2026)