LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,154
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,119
−HK$1,995/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$71,198
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,258
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,143
−HK$1,911/mo
Today · 4.125%
HK$74,054
baseline
▲ 0.50% · 4.625%
HK$77,958
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,108/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,785
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,142
−HK$2,395/mo
Today · 4.125%
HK$80,537
baseline
▲ 0.50% · 4.625%
HK$85,438
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,074/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,310
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,571
−HK$2,294/mo
Today · 4.125%
HK$88,865
baseline
▲ 0.50% · 4.625%
HK$93,549
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,730/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,416
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,166
−HK$2,794/mo
Today · 4.125%
HK$93,960
baseline
▲ 0.50% · 4.625%
HK$99,677
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,920/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,362
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,000
−HK$2,676/mo
Today · 4.125%
HK$103,676
baseline
▲ 0.50% · 4.625%
HK$109,141
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,352/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,677
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,213
−HK$3,593/mo
Today · 4.125%
HK$120,806
baseline
▲ 0.50% · 4.625%
HK$128,157
+HK$7,351/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,612/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,465
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,857
−HK$3,440/mo
Today · 4.125%
HK$133,297
baseline
▲ 0.50% · 4.625%
HK$140,324
+HK$7,027/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,594/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,082 · Scale 2, in force from 26 Feb 2026)