LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,220
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,186
−HK$1,998/mo
Today · 4.125%
HK$67,184
baseline
▲ 0.50% · 4.625%
HK$71,272
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,368/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,331
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,217
−HK$1,914/mo
Today · 4.125%
HK$74,131
baseline
▲ 0.50% · 4.625%
HK$78,038
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,262/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,864
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,223
−HK$2,398/mo
Today · 4.125%
HK$80,621
baseline
▲ 0.50% · 4.625%
HK$85,526
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,242/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,397
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,661
−HK$2,296/mo
Today · 4.125%
HK$88,957
baseline
▲ 0.50% · 4.625%
HK$93,646
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,914/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,507
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,261
−HK$2,797/mo
Today · 4.125%
HK$94,058
baseline
▲ 0.50% · 4.625%
HK$99,781
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,116/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,464
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,104
−HK$2,679/mo
Today · 4.125%
HK$103,783
baseline
▲ 0.50% · 4.625%
HK$109,254
+HK$5,471/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,566/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,795
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,335
−HK$3,596/mo
Today · 4.125%
HK$120,931
baseline
▲ 0.50% · 4.625%
HK$128,290
+HK$7,359/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,862/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,596
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$129,991
−HK$3,445/mo
Today · 4.125%
HK$133,436
baseline
▲ 0.50% · 4.625%
HK$140,469
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,872/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,304 · Scale 2, in force from 26 Feb 2026)