LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,179
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,144
−HK$1,997/mo
Today · 4.125%
HK$67,141
baseline
▲ 0.50% · 4.625%
HK$71,226
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,282/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,286
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,171
−HK$1,913/mo
Today · 4.125%
HK$74,084
baseline
▲ 0.50% · 4.625%
HK$77,989
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,168/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,815
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,173
−HK$2,396/mo
Today · 4.125%
HK$80,569
baseline
▲ 0.50% · 4.625%
HK$85,472
+HK$4,903/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,138/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,343
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,606
−HK$2,294/mo
Today · 4.125%
HK$88,900
baseline
▲ 0.50% · 4.625%
HK$93,586
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,800/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,451
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,202
−HK$2,796/mo
Today · 4.125%
HK$93,998
baseline
▲ 0.50% · 4.625%
HK$99,717
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,996/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,401
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,040
−HK$2,677/mo
Today · 4.125%
HK$103,717
baseline
▲ 0.50% · 4.625%
HK$109,184
+HK$5,467/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,434/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,723
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,260
−HK$3,594/mo
Today · 4.125%
HK$120,854
baseline
▲ 0.50% · 4.625%
HK$128,208
+HK$7,354/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,708/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,515
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,908
−HK$3,442/mo
Today · 4.125%
HK$133,350
baseline
▲ 0.50% · 4.625%
HK$140,380
+HK$7,030/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,700/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,551 · Scale 2, in force from 26 Feb 2026)