LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,211
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,998/mo
Today · 4.125%
HK$67,175
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$4,087/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,350/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$1,913/mo
Today · 4.125%
HK$74,121
baseline
▲ 0.50% · 4.625%
HK$78,028
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,242/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,213
−HK$2,397/mo
Today · 4.125%
HK$80,610
baseline
▲ 0.50% · 4.625%
HK$85,515
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,220/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,649
−HK$2,296/mo
Today · 4.125%
HK$88,945
baseline
▲ 0.50% · 4.625%
HK$93,633
+HK$4,688/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,890/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,495
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,248
−HK$2,797/mo
Today · 4.125%
HK$94,045
baseline
▲ 0.50% · 4.625%
HK$99,767
+HK$5,722/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$188,090/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,450
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,091
−HK$2,678/mo
Today · 4.125%
HK$103,769
baseline
▲ 0.50% · 4.625%
HK$109,239
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$207,538/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,780
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,319
−HK$3,596/mo
Today · 4.125%
HK$120,915
baseline
▲ 0.50% · 4.625%
HK$128,272
+HK$7,357/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,830/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,579
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,974
−HK$3,443/mo
Today · 4.125%
HK$133,417
baseline
▲ 0.50% · 4.625%
HK$140,450
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,834/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,143 · Scale 2, in force from 26 Feb 2026)