LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,174
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,139
−HK$1,997/mo
Today · 4.125%
HK$67,136
baseline
▲ 0.50% · 4.625%
HK$71,221
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,272/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,281
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,165
−HK$1,913/mo
Today · 4.125%
HK$74,078
baseline
▲ 0.50% · 4.625%
HK$77,982
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,156/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,809
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,167
−HK$2,396/mo
Today · 4.125%
HK$80,563
baseline
▲ 0.50% · 4.625%
HK$85,465
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,126/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,337
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,598
−HK$2,295/mo
Today · 4.125%
HK$88,893
baseline
▲ 0.50% · 4.625%
HK$93,579
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,786/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,444
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,195
−HK$2,795/mo
Today · 4.125%
HK$93,990
baseline
▲ 0.50% · 4.625%
HK$99,709
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,980/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,393
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,032
−HK$2,677/mo
Today · 4.125%
HK$103,709
baseline
▲ 0.50% · 4.625%
HK$109,175
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,418/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,713
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,250
−HK$3,594/mo
Today · 4.125%
HK$120,844
baseline
▲ 0.50% · 4.625%
HK$128,197
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,688/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,505
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,898
−HK$3,442/mo
Today · 4.125%
HK$133,340
baseline
▲ 0.50% · 4.625%
HK$140,368
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,680/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,455 · Scale 2, in force from 26 Feb 2026)