LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,150
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,115
−HK$1,995/mo
Today · 4.125%
HK$67,110
baseline
▲ 0.50% · 4.625%
HK$71,194
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,220/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,254
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,138
−HK$1,912/mo
Today · 4.125%
HK$74,050
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,100/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,780
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,137
−HK$2,395/mo
Today · 4.125%
HK$80,532
baseline
▲ 0.50% · 4.625%
HK$85,433
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,064/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,305
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,566
−HK$2,293/mo
Today · 4.125%
HK$88,859
baseline
▲ 0.50% · 4.625%
HK$93,543
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,718/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,410
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,160
−HK$2,794/mo
Today · 4.125%
HK$93,954
baseline
▲ 0.50% · 4.625%
HK$99,671
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,908/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,356
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,993
−HK$2,676/mo
Today · 4.125%
HK$103,669
baseline
▲ 0.50% · 4.625%
HK$109,134
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,338/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,670
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,206
−HK$3,593/mo
Today · 4.125%
HK$120,799
baseline
▲ 0.50% · 4.625%
HK$128,149
+HK$7,350/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,598/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,457
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,849
−HK$3,440/mo
Today · 4.125%
HK$133,289
baseline
▲ 0.50% · 4.625%
HK$140,315
+HK$7,026/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,578/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,010 · Scale 2, in force from 26 Feb 2026)