LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,172
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,137
−HK$1,996/mo
Today · 4.125%
HK$67,133
baseline
▲ 0.50% · 4.625%
HK$71,218
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,266/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,278
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,163
−HK$1,912/mo
Today · 4.125%
HK$74,075
baseline
▲ 0.50% · 4.625%
HK$77,979
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,150/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,806
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,164
−HK$2,396/mo
Today · 4.125%
HK$80,560
baseline
▲ 0.50% · 4.625%
HK$85,462
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,120/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,334
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,595
−HK$2,295/mo
Today · 4.125%
HK$88,890
baseline
▲ 0.50% · 4.625%
HK$93,575
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,780/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,440
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,191
−HK$2,795/mo
Today · 4.125%
HK$93,986
baseline
▲ 0.50% · 4.625%
HK$99,705
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,972/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,389
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,028
−HK$2,677/mo
Today · 4.125%
HK$103,705
baseline
▲ 0.50% · 4.625%
HK$109,171
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,410/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,709
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,246
−HK$3,594/mo
Today · 4.125%
HK$120,840
baseline
▲ 0.50% · 4.625%
HK$128,193
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,680/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,500
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,893
−HK$3,442/mo
Today · 4.125%
HK$133,335
baseline
▲ 0.50% · 4.625%
HK$140,363
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,670/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,411 · Scale 2, in force from 26 Feb 2026)