LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,133
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,097
−HK$1,995/mo
Today · 4.125%
HK$67,092
baseline
▲ 0.50% · 4.625%
HK$71,174
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,184/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,235
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$1,911/mo
Today · 4.125%
HK$74,029
baseline
▲ 0.50% · 4.625%
HK$77,931
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,058/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,759
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,116
−HK$2,394/mo
Today · 4.125%
HK$80,510
baseline
▲ 0.50% · 4.625%
HK$85,409
+HK$4,899/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,020/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,282
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,542
−HK$2,293/mo
Today · 4.125%
HK$88,835
baseline
▲ 0.50% · 4.625%
HK$93,518
+HK$4,683/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,670/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,386
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,135
−HK$2,794/mo
Today · 4.125%
HK$93,929
baseline
▲ 0.50% · 4.625%
HK$99,644
+HK$5,715/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,858/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,329
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,966
−HK$2,675/mo
Today · 4.125%
HK$103,641
baseline
▲ 0.50% · 4.625%
HK$109,104
+HK$5,463/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,282/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,639
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,174
−HK$3,591/mo
Today · 4.125%
HK$120,765
baseline
▲ 0.50% · 4.625%
HK$128,114
+HK$7,349/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,530/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,422
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,813
−HK$3,440/mo
Today · 4.125%
HK$133,253
baseline
▲ 0.50% · 4.625%
HK$140,277
+HK$7,024/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,506/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,687 · Scale 2, in force from 26 Feb 2026)