LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,221
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,187
−HK$1,998/mo
Today · 4.125%
HK$67,185
baseline
▲ 0.50% · 4.625%
HK$71,273
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,370/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,333
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$1,913/mo
Today · 4.125%
HK$74,132
baseline
▲ 0.50% · 4.625%
HK$78,040
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,264/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,865
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,225
−HK$2,397/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,399
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,663
−HK$2,296/mo
Today · 4.125%
HK$88,959
baseline
▲ 0.50% · 4.625%
HK$93,648
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,918/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,509
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,262
−HK$2,798/mo
Today · 4.125%
HK$94,060
baseline
▲ 0.50% · 4.625%
HK$99,783
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,120/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,466
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,106
−HK$2,679/mo
Today · 4.125%
HK$103,785
baseline
▲ 0.50% · 4.625%
HK$109,256
+HK$5,471/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,570/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,798
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,337
−HK$3,597/mo
Today · 4.125%
HK$120,934
baseline
▲ 0.50% · 4.625%
HK$128,292
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,868/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,599
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,994
−HK$3,444/mo
Today · 4.125%
HK$133,438
baseline
▲ 0.50% · 4.625%
HK$140,472
+HK$7,034/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,876/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,327 · Scale 2, in force from 26 Feb 2026)