LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,200
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,166
−HK$1,998/mo
Today · 4.125%
HK$67,164
baseline
▲ 0.50% · 4.625%
HK$71,250
+HK$4,086/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,328/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,310
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,196
−HK$1,912/mo
Today · 4.125%
HK$74,108
baseline
▲ 0.50% · 4.625%
HK$78,015
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,216/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,841
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,200
−HK$2,396/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$85,500
+HK$4,904/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,372
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,635
−HK$2,295/mo
Today · 4.125%
HK$88,930
baseline
▲ 0.50% · 4.625%
HK$93,618
+HK$4,688/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,860/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,481
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,233
−HK$2,796/mo
Today · 4.125%
HK$94,029
baseline
▲ 0.50% · 4.625%
HK$99,751
+HK$5,722/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,058/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,434
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,074
−HK$2,678/mo
Today · 4.125%
HK$103,752
baseline
▲ 0.50% · 4.625%
HK$109,221
+HK$5,469/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,504/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,761
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,299
−HK$3,596/mo
Today · 4.125%
HK$120,895
baseline
▲ 0.50% · 4.625%
HK$128,251
+HK$7,356/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,790/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,558
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,952
−HK$3,443/mo
Today · 4.125%
HK$133,395
baseline
▲ 0.50% · 4.625%
HK$140,427
+HK$7,032/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,790/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,946 · Scale 2, in force from 26 Feb 2026)