LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,197
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$65,163
−HK$1,997/mo
Today · 4.125%
HK$67,160
baseline
▲ 0.50% · 4.625%
HK$71,247
+HK$4,087/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,320/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,306
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,192
−HK$1,913/mo
Today · 4.125%
HK$74,105
baseline
▲ 0.50% · 4.625%
HK$78,011
+HK$3,906/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,210/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,837
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,196
−HK$2,396/mo
Today · 4.125%
HK$80,592
baseline
▲ 0.50% · 4.625%
HK$85,496
+HK$4,904/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,184/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,368
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,630
−HK$2,296/mo
Today · 4.125%
HK$88,926
baseline
▲ 0.50% · 4.625%
HK$93,613
+HK$4,687/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,852/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,476
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,228
−HK$2,797/mo
Today · 4.125%
HK$94,025
baseline
▲ 0.50% · 4.625%
HK$99,746
+HK$5,721/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,050/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,429
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,069
−HK$2,678/mo
Today · 4.125%
HK$103,747
baseline
▲ 0.50% · 4.625%
HK$109,215
+HK$5,468/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,494/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,755
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,294
−HK$3,595/mo
Today · 4.125%
HK$120,889
baseline
▲ 0.50% · 4.625%
HK$128,244
+HK$7,355/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,778/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,552
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,946
−HK$3,443/mo
Today · 4.125%
HK$133,389
baseline
▲ 0.50% · 4.625%
HK$140,420
+HK$7,031/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,778/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,889 · Scale 2, in force from 26 Feb 2026)