LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,177
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,142
−HK$1,997/mo
Today · 4.125%
HK$67,139
baseline
▲ 0.50% · 4.625%
HK$71,224
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,278/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,284
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,169
−HK$1,912/mo
Today · 4.125%
HK$74,081
baseline
▲ 0.50% · 4.625%
HK$77,986
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,162/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,813
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,171
−HK$2,396/mo
Today · 4.125%
HK$80,567
baseline
▲ 0.50% · 4.625%
HK$85,469
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,134/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,341
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,603
−HK$2,294/mo
Today · 4.125%
HK$88,897
baseline
▲ 0.50% · 4.625%
HK$93,583
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,794/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,448
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,199
−HK$2,795/mo
Today · 4.125%
HK$93,994
baseline
▲ 0.50% · 4.625%
HK$99,714
+HK$5,720/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,988/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,397
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,036
−HK$2,678/mo
Today · 4.125%
HK$103,714
baseline
▲ 0.50% · 4.625%
HK$109,180
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,428/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,719
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,256
−HK$3,594/mo
Today · 4.125%
HK$120,850
baseline
▲ 0.50% · 4.625%
HK$128,203
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,700/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,511
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,904
−HK$3,442/mo
Today · 4.125%
HK$133,346
baseline
▲ 0.50% · 4.625%
HK$140,375
+HK$7,029/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,692/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,512 · Scale 2, in force from 26 Feb 2026)