LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,131
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,095
−HK$1,995/mo
Today · 4.125%
HK$67,090
baseline
▲ 0.50% · 4.625%
HK$71,172
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,180/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,232
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,116
−HK$1,911/mo
Today · 4.125%
HK$74,027
baseline
▲ 0.50% · 4.625%
HK$77,929
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,054/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,757
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,113
−HK$2,395/mo
Today · 4.125%
HK$80,508
baseline
▲ 0.50% · 4.625%
HK$85,406
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,016/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,279
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,539
−HK$2,293/mo
Today · 4.125%
HK$88,832
baseline
▲ 0.50% · 4.625%
HK$93,515
+HK$4,683/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,664/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,383
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,132
−HK$2,794/mo
Today · 4.125%
HK$93,926
baseline
▲ 0.50% · 4.625%
HK$99,641
+HK$5,715/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,852/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,325
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,962
−HK$2,676/mo
Today · 4.125%
HK$103,638
baseline
▲ 0.50% · 4.625%
HK$109,100
+HK$5,462/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,276/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,635
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,170
−HK$3,591/mo
Today · 4.125%
HK$120,761
baseline
▲ 0.50% · 4.625%
HK$128,109
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,522/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,418
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,809
−HK$3,439/mo
Today · 4.125%
HK$133,248
baseline
▲ 0.50% · 4.625%
HK$140,272
+HK$7,024/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,496/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,648 · Scale 2, in force from 26 Feb 2026)