LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,240
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,207
−HK$1,999/mo
Today · 4.125%
HK$67,206
baseline
▲ 0.50% · 4.625%
HK$71,295
+HK$4,089/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,412/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,354
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,241
−HK$1,914/mo
Today · 4.125%
HK$74,155
baseline
▲ 0.50% · 4.625%
HK$78,064
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,310/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,888
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,249
−HK$2,398/mo
Today · 4.125%
HK$80,647
baseline
▲ 0.50% · 4.625%
HK$85,554
+HK$4,907/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,294/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,425
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,689
−HK$2,297/mo
Today · 4.125%
HK$88,986
baseline
▲ 0.50% · 4.625%
HK$93,677
+HK$4,691/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,972/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,536
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,290
−HK$2,798/mo
Today · 4.125%
HK$94,088
baseline
▲ 0.50% · 4.625%
HK$99,813
+HK$5,725/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,176/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,496
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,137
−HK$2,680/mo
Today · 4.125%
HK$103,817
baseline
▲ 0.50% · 4.625%
HK$109,290
+HK$5,473/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,634/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,832
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,373
−HK$3,598/mo
Today · 4.125%
HK$120,971
baseline
▲ 0.50% · 4.625%
HK$128,331
+HK$7,360/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,942/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,637
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,034
−HK$3,445/mo
Today · 4.125%
HK$133,479
baseline
▲ 0.50% · 4.625%
HK$140,515
+HK$7,036/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,958/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,688 · Scale 2, in force from 26 Feb 2026)