LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,187
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,153
−HK$1,996/mo
Today · 4.125%
HK$67,149
baseline
▲ 0.50% · 4.625%
HK$71,235
+HK$4,086/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,298/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,295
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,180
−HK$1,913/mo
Today · 4.125%
HK$74,093
baseline
▲ 0.50% · 4.625%
HK$77,998
+HK$3,905/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,186/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,824
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,183
−HK$2,396/mo
Today · 4.125%
HK$80,579
baseline
▲ 0.50% · 4.625%
HK$85,482
+HK$4,903/mo
Deposit HK$11.08M · loan HK$16.63M · min. income ≈ HK$161,158/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,354
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,616
−HK$2,295/mo
Today · 4.125%
HK$88,911
baseline
▲ 0.50% · 4.625%
HK$93,598
+HK$4,687/mo
Deposit HK$11.08M · loan HK$16.63M · min. income ≈ HK$177,822/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,462
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,214
−HK$2,795/mo
Today · 4.125%
HK$94,009
baseline
▲ 0.50% · 4.625%
HK$99,729
+HK$5,720/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,018/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,413
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,052
−HK$2,678/mo
Today · 4.125%
HK$103,730
baseline
▲ 0.50% · 4.625%
HK$109,198
+HK$5,468/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,460/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,737
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,275
−HK$3,594/mo
Today · 4.125%
HK$120,869
baseline
▲ 0.50% · 4.625%
HK$128,224
+HK$7,355/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,738/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,531
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,924
−HK$3,443/mo
Today · 4.125%
HK$133,367
baseline
▲ 0.50% · 4.625%
HK$140,397
+HK$7,030/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,734/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,697 · Scale 2, in force from 26 Feb 2026)