LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,148
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,113
−HK$1,995/mo
Today · 4.125%
HK$67,108
baseline
▲ 0.50% · 4.625%
HK$71,192
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,216/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,252
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,136
−HK$1,911/mo
Today · 4.125%
HK$74,047
baseline
▲ 0.50% · 4.625%
HK$77,950
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,094/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,778
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,135
−HK$2,395/mo
Today · 4.125%
HK$80,530
baseline
▲ 0.50% · 4.625%
HK$85,430
+HK$4,900/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,060/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,302
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,563
−HK$2,294/mo
Today · 4.125%
HK$88,857
baseline
▲ 0.50% · 4.625%
HK$93,540
+HK$4,683/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,714/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,408
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,158
−HK$2,793/mo
Today · 4.125%
HK$93,951
baseline
▲ 0.50% · 4.625%
HK$99,668
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,902/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,353
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,990
−HK$2,676/mo
Today · 4.125%
HK$103,666
baseline
▲ 0.50% · 4.625%
HK$109,131
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,332/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,667
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$117,203
−HK$3,592/mo
Today · 4.125%
HK$120,795
baseline
▲ 0.50% · 4.625%
HK$128,145
+HK$7,350/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,590/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,453
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,845
−HK$3,440/mo
Today · 4.125%
HK$133,285
baseline
▲ 0.50% · 4.625%
HK$140,311
+HK$7,026/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,570/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,974 · Scale 2, in force from 26 Feb 2026)