LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,228
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,194
−HK$1,999/mo
Today · 4.125%
HK$67,193
baseline
▲ 0.50% · 4.625%
HK$71,281
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,386/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,340
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,227
−HK$1,913/mo
Today · 4.125%
HK$74,140
baseline
▲ 0.50% · 4.625%
HK$78,048
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,280/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,873
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,233
−HK$2,398/mo
Today · 4.125%
HK$80,631
baseline
▲ 0.50% · 4.625%
HK$85,537
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,262/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,408
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,672
−HK$2,296/mo
Today · 4.125%
HK$88,968
baseline
▲ 0.50% · 4.625%
HK$93,658
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,936/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,519
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,272
−HK$2,798/mo
Today · 4.125%
HK$94,070
baseline
▲ 0.50% · 4.625%
HK$99,793
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,140/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,476
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,117
−HK$2,679/mo
Today · 4.125%
HK$103,796
baseline
▲ 0.50% · 4.625%
HK$109,268
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,592/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,810
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,350
−HK$3,597/mo
Today · 4.125%
HK$120,947
baseline
▲ 0.50% · 4.625%
HK$128,306
+HK$7,359/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,894/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,612
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,008
−HK$3,445/mo
Today · 4.125%
HK$133,453
baseline
▲ 0.50% · 4.625%
HK$140,487
+HK$7,034/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,906/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,452 · Scale 2, in force from 26 Feb 2026)