LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,213
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,179
−HK$1,998/mo
Today · 4.125%
HK$67,177
baseline
▲ 0.50% · 4.625%
HK$71,264
+HK$4,087/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,354/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,323
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,209
−HK$1,914/mo
Today · 4.125%
HK$74,123
baseline
▲ 0.50% · 4.625%
HK$78,030
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,246/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,855
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,215
−HK$2,397/mo
Today · 4.125%
HK$80,612
baseline
▲ 0.50% · 4.625%
HK$85,517
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,224/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,388
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,651
−HK$2,296/mo
Today · 4.125%
HK$88,947
baseline
▲ 0.50% · 4.625%
HK$93,636
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,894/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,498
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,251
−HK$2,796/mo
Today · 4.125%
HK$94,047
baseline
▲ 0.50% · 4.625%
HK$99,770
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,094/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,453
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,093
−HK$2,679/mo
Today · 4.125%
HK$103,772
baseline
▲ 0.50% · 4.625%
HK$109,242
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,544/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,783
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,322
−HK$3,596/mo
Today · 4.125%
HK$120,918
baseline
▲ 0.50% · 4.625%
HK$128,276
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,836/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,582
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,977
−HK$3,444/mo
Today · 4.125%
HK$133,421
baseline
▲ 0.50% · 4.625%
HK$140,454
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,842/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,174 · Scale 2, in force from 26 Feb 2026)