LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,230
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,197
−HK$1,998/mo
Today · 4.125%
HK$67,195
baseline
▲ 0.50% · 4.625%
HK$71,284
+HK$4,089/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$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,343
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,230
−HK$1,914/mo
Today · 4.125%
HK$74,144
baseline
▲ 0.50% · 4.625%
HK$78,052
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,288/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,876
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,237
−HK$2,398/mo
Today · 4.125%
HK$80,635
baseline
▲ 0.50% · 4.625%
HK$85,541
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,270/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,412
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,676
−HK$2,296/mo
Today · 4.125%
HK$88,972
baseline
▲ 0.50% · 4.625%
HK$93,662
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,944/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,523
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,276
−HK$2,798/mo
Today · 4.125%
HK$94,074
baseline
▲ 0.50% · 4.625%
HK$99,798
+HK$5,724/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,148/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,480
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,122
−HK$2,679/mo
Today · 4.125%
HK$103,801
baseline
▲ 0.50% · 4.625%
HK$109,273
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,602/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,815
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,355
−HK$3,597/mo
Today · 4.125%
HK$120,952
baseline
▲ 0.50% · 4.625%
HK$128,311
+HK$7,359/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,904/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,618
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$130,013
−HK$3,445/mo
Today · 4.125%
HK$133,458
baseline
▲ 0.50% · 4.625%
HK$140,493
+HK$7,035/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,916/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,504 · Scale 2, in force from 26 Feb 2026)