LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,218
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,184
−HK$1,998/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$71,270
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,329
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,216
−HK$1,913/mo
Today · 4.125%
HK$74,129
baseline
▲ 0.50% · 4.625%
HK$78,037
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,258/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,862
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,221
−HK$2,398/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$85,524
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,395
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,659
−HK$2,296/mo
Today · 4.125%
HK$88,955
baseline
▲ 0.50% · 4.625%
HK$93,644
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,910/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,505
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,258
−HK$2,797/mo
Today · 4.125%
HK$94,055
baseline
▲ 0.50% · 4.625%
HK$99,778
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,110/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,461
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,102
−HK$2,679/mo
Today · 4.125%
HK$103,781
baseline
▲ 0.50% · 4.625%
HK$109,251
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,562/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,792
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,332
−HK$3,596/mo
Today · 4.125%
HK$120,928
baseline
▲ 0.50% · 4.625%
HK$128,286
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,856/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,593
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,988
−HK$3,444/mo
Today · 4.125%
HK$133,432
baseline
▲ 0.50% · 4.625%
HK$140,466
+HK$7,034/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,864/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,275 · Scale 2, in force from 26 Feb 2026)