LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,140
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,104
−HK$1,995/mo
Today · 4.125%
HK$67,099
baseline
▲ 0.50% · 4.625%
HK$71,182
+HK$4,083/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,198/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,242
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,126
−HK$1,911/mo
Today · 4.125%
HK$74,037
baseline
▲ 0.50% · 4.625%
HK$77,940
+HK$3,903/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,074/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,767
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,124
−HK$2,395/mo
Today · 4.125%
HK$80,519
baseline
▲ 0.50% · 4.625%
HK$85,418
+HK$4,899/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$161,038/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,291
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,551
−HK$2,294/mo
Today · 4.125%
HK$88,845
baseline
▲ 0.50% · 4.625%
HK$93,528
+HK$4,683/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$177,690/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,395
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,145
−HK$2,794/mo
Today · 4.125%
HK$93,939
baseline
▲ 0.50% · 4.625%
HK$99,655
+HK$5,716/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,878/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,339
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,976
−HK$2,676/mo
Today · 4.125%
HK$103,652
baseline
▲ 0.50% · 4.625%
HK$109,116
+HK$5,464/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,304/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,651
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,186
−HK$3,592/mo
Today · 4.125%
HK$120,778
baseline
▲ 0.50% · 4.625%
HK$128,127
+HK$7,349/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,556/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,436
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,827
−HK$3,440/mo
Today · 4.125%
HK$133,267
baseline
▲ 0.50% · 4.625%
HK$140,291
+HK$7,024/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,534/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,812 · Scale 2, in force from 26 Feb 2026)