LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,246
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,213
−HK$1,999/mo
Today · 4.125%
HK$67,212
baseline
▲ 0.50% · 4.625%
HK$71,302
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,424/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,248
−HK$1,914/mo
Today · 4.125%
HK$74,162
baseline
▲ 0.50% · 4.625%
HK$78,071
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,324/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,895
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,256
−HK$2,398/mo
Today · 4.125%
HK$80,654
baseline
▲ 0.50% · 4.625%
HK$85,562
+HK$4,908/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,308/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,433
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,697
−HK$2,297/mo
Today · 4.125%
HK$88,994
baseline
▲ 0.50% · 4.625%
HK$93,685
+HK$4,691/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,988/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,544
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,299
−HK$2,798/mo
Today · 4.125%
HK$94,097
baseline
▲ 0.50% · 4.625%
HK$99,822
+HK$5,725/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,194/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,505
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,147
−HK$2,680/mo
Today · 4.125%
HK$103,827
baseline
▲ 0.50% · 4.625%
HK$109,299
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,654/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,843
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,384
−HK$3,598/mo
Today · 4.125%
HK$120,982
baseline
▲ 0.50% · 4.625%
HK$128,343
+HK$7,361/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,964/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,649
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,046
−HK$3,445/mo
Today · 4.125%
HK$133,491
baseline
▲ 0.50% · 4.625%
HK$140,528
+HK$7,037/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,982/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,795 · Scale 2, in force from 26 Feb 2026)