LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,233
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,200
−HK$1,998/mo
Today · 4.125%
HK$67,198
baseline
▲ 0.50% · 4.625%
HK$71,287
+HK$4,089/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,396/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,346
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,232
−HK$1,914/mo
Today · 4.125%
HK$74,146
baseline
▲ 0.50% · 4.625%
HK$78,055
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,292/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,879
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,240
−HK$2,398/mo
Today · 4.125%
HK$80,638
baseline
▲ 0.50% · 4.625%
HK$85,544
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,276/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,415
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,679
−HK$2,297/mo
Today · 4.125%
HK$88,976
baseline
▲ 0.50% · 4.625%
HK$93,666
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,952/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,526
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,280
−HK$2,797/mo
Today · 4.125%
HK$94,077
baseline
▲ 0.50% · 4.625%
HK$99,802
+HK$5,725/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,154/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,484
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,125
−HK$2,680/mo
Today · 4.125%
HK$103,805
baseline
▲ 0.50% · 4.625%
HK$109,277
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,610/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,819
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,359
−HK$3,597/mo
Today · 4.125%
HK$120,956
baseline
▲ 0.50% · 4.625%
HK$128,316
+HK$7,360/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,912/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,622
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,018
−HK$3,445/mo
Today · 4.125%
HK$133,463
baseline
▲ 0.50% · 4.625%
HK$140,498
+HK$7,035/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,926/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,549 · Scale 2, in force from 26 Feb 2026)