LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,132
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,096
−HK$1,995/mo
Today · 4.125%
HK$67,091
baseline
▲ 0.50% · 4.625%
HK$71,173
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,182/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,234
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$1,910/mo
Today · 4.125%
HK$74,028
baseline
▲ 0.50% · 4.625%
HK$77,931
+HK$3,903/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,056/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,759
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$78,115
−HK$2,394/mo
Today · 4.125%
HK$80,509
baseline
▲ 0.50% · 4.625%
HK$85,408
+HK$4,899/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,018/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,281
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,541
−HK$2,293/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$93,517
+HK$4,683/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,385
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,134
−HK$2,794/mo
Today · 4.125%
HK$93,928
baseline
▲ 0.50% · 4.625%
HK$99,643
+HK$5,715/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,856/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,327
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,965
−HK$2,675/mo
Today · 4.125%
HK$103,640
baseline
▲ 0.50% · 4.625%
HK$109,103
+HK$5,463/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,280/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,638
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,173
−HK$3,591/mo
Today · 4.125%
HK$120,764
baseline
▲ 0.50% · 4.625%
HK$128,112
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,528/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,421
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,812
−HK$3,439/mo
Today · 4.125%
HK$133,251
baseline
▲ 0.50% · 4.625%
HK$140,275
+HK$7,024/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,502/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,673 · Scale 2, in force from 26 Feb 2026)