LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,225
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,192
−HK$1,998/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$71,278
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,337
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,224
−HK$1,914/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,046
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,870
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,230
−HK$2,398/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$85,534
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,405
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,669
−HK$2,296/mo
Today · 4.125%
HK$88,965
baseline
▲ 0.50% · 4.625%
HK$93,655
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,930/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,515
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,269
−HK$2,797/mo
Today · 4.125%
HK$94,066
baseline
▲ 0.50% · 4.625%
HK$99,790
+HK$5,724/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,132/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,472
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,113
−HK$2,680/mo
Today · 4.125%
HK$103,793
baseline
▲ 0.50% · 4.625%
HK$109,264
+HK$5,471/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,586/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,806
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,346
−HK$3,596/mo
Today · 4.125%
HK$120,942
baseline
▲ 0.50% · 4.625%
HK$128,301
+HK$7,359/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,884/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,607
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,003
−HK$3,445/mo
Today · 4.125%
HK$133,448
baseline
▲ 0.50% · 4.625%
HK$140,482
+HK$7,034/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,896/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,409 · Scale 2, in force from 26 Feb 2026)