LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,230
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,196
−HK$1,999/mo
Today · 4.125%
HK$67,195
baseline
▲ 0.50% · 4.625%
HK$71,283
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,390/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,342
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,229
−HK$1,914/mo
Today · 4.125%
HK$74,143
baseline
▲ 0.50% · 4.625%
HK$78,051
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,286/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,876
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,236
−HK$2,398/mo
Today · 4.125%
HK$80,634
baseline
▲ 0.50% · 4.625%
HK$85,540
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,268/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,411
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,675
−HK$2,296/mo
Today · 4.125%
HK$88,971
baseline
▲ 0.50% · 4.625%
HK$93,661
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,942/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,521
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,275
−HK$2,798/mo
Today · 4.125%
HK$94,073
baseline
▲ 0.50% · 4.625%
HK$99,797
+HK$5,724/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,146/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,479
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,120
−HK$2,680/mo
Today · 4.125%
HK$103,800
baseline
▲ 0.50% · 4.625%
HK$109,271
+HK$5,471/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,600/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,813
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,354
−HK$3,596/mo
Today · 4.125%
HK$120,950
baseline
▲ 0.50% · 4.625%
HK$128,310
+HK$7,360/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,900/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,616
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,012
−HK$3,445/mo
Today · 4.125%
HK$133,457
baseline
▲ 0.50% · 4.625%
HK$140,492
+HK$7,035/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,914/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,490 · Scale 2, in force from 26 Feb 2026)