LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,142
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,106
−HK$1,995/mo
Today · 4.125%
HK$67,101
baseline
▲ 0.50% · 4.625%
HK$71,184
+HK$4,083/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,202/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,244
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,128
−HK$1,911/mo
Today · 4.125%
HK$74,039
baseline
▲ 0.50% · 4.625%
HK$77,942
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,078/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,770
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,127
−HK$2,394/mo
Today · 4.125%
HK$80,521
baseline
▲ 0.50% · 4.625%
HK$85,421
+HK$4,900/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$161,042/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,293
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,554
−HK$2,293/mo
Today · 4.125%
HK$88,847
baseline
▲ 0.50% · 4.625%
HK$93,531
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$177,694/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,398
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,148
−HK$2,794/mo
Today · 4.125%
HK$93,942
baseline
▲ 0.50% · 4.625%
HK$99,658
+HK$5,716/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,884/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,342
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,980
−HK$2,675/mo
Today · 4.125%
HK$103,655
baseline
▲ 0.50% · 4.625%
HK$109,119
+HK$5,464/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,310/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,655
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,190
−HK$3,592/mo
Today · 4.125%
HK$120,782
baseline
▲ 0.50% · 4.625%
HK$128,131
+HK$7,349/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,564/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,440
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,831
−HK$3,440/mo
Today · 4.125%
HK$133,271
baseline
▲ 0.50% · 4.625%
HK$140,296
+HK$7,025/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,542/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,850 · Scale 2, in force from 26 Feb 2026)