LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,214
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,180
−HK$1,998/mo
Today · 4.125%
HK$67,178
baseline
▲ 0.50% · 4.625%
HK$71,265
+HK$4,087/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,356/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,325
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,211
−HK$1,913/mo
Today · 4.125%
HK$74,124
baseline
▲ 0.50% · 4.625%
HK$78,031
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,248/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,857
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,216
−HK$2,397/mo
Today · 4.125%
HK$80,613
baseline
▲ 0.50% · 4.625%
HK$85,519
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,226/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,390
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,653
−HK$2,296/mo
Today · 4.125%
HK$88,949
baseline
▲ 0.50% · 4.625%
HK$93,638
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,898/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,499
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,252
−HK$2,797/mo
Today · 4.125%
HK$94,049
baseline
▲ 0.50% · 4.625%
HK$99,772
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,098/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,455
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,095
−HK$2,679/mo
Today · 4.125%
HK$103,774
baseline
▲ 0.50% · 4.625%
HK$109,244
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,548/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,785
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,324
−HK$3,596/mo
Today · 4.125%
HK$120,920
baseline
▲ 0.50% · 4.625%
HK$128,278
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,840/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,584
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,979
−HK$3,444/mo
Today · 4.125%
HK$133,423
baseline
▲ 0.50% · 4.625%
HK$140,456
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,846/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,194 · Scale 2, in force from 26 Feb 2026)