LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,222
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,188
−HK$1,998/mo
Today · 4.125%
HK$67,186
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,372/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,334
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,220
−HK$1,914/mo
Today · 4.125%
HK$74,134
baseline
▲ 0.50% · 4.625%
HK$78,041
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,268/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,866
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,226
−HK$2,398/mo
Today · 4.125%
HK$80,624
baseline
▲ 0.50% · 4.625%
HK$85,529
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,248/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,400
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,664
−HK$2,296/mo
Today · 4.125%
HK$88,960
baseline
▲ 0.50% · 4.625%
HK$93,649
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,920/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,511
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,264
−HK$2,797/mo
Today · 4.125%
HK$94,061
baseline
▲ 0.50% · 4.625%
HK$99,784
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,122/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,467
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,108
−HK$2,679/mo
Today · 4.125%
HK$103,787
baseline
▲ 0.50% · 4.625%
HK$109,258
+HK$5,471/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,574/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,799
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,339
−HK$3,596/mo
Today · 4.125%
HK$120,935
baseline
▲ 0.50% · 4.625%
HK$128,294
+HK$7,359/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,870/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,601
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,996
−HK$3,444/mo
Today · 4.125%
HK$133,440
baseline
▲ 0.50% · 4.625%
HK$140,474
+HK$7,034/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,880/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,344 · Scale 2, in force from 26 Feb 2026)