LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,251
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,218
−HK$1,999/mo
Today · 4.125%
HK$67,217
baseline
▲ 0.50% · 4.625%
HK$71,307
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,434/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,366
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,253
−HK$1,915/mo
Today · 4.125%
HK$74,168
baseline
▲ 0.50% · 4.625%
HK$78,077
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,336/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,262
−HK$2,399/mo
Today · 4.125%
HK$80,661
baseline
▲ 0.50% · 4.625%
HK$85,569
+HK$4,908/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,322/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,439
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,704
−HK$2,297/mo
Today · 4.125%
HK$89,001
baseline
▲ 0.50% · 4.625%
HK$93,692
+HK$4,691/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$178,002/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,551
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,306
−HK$2,798/mo
Today · 4.125%
HK$94,104
baseline
▲ 0.50% · 4.625%
HK$99,830
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,208/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,512
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,154
−HK$2,681/mo
Today · 4.125%
HK$103,835
baseline
▲ 0.50% · 4.625%
HK$109,308
+HK$5,473/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,670/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,851
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,393
−HK$3,598/mo
Today · 4.125%
HK$120,991
baseline
▲ 0.50% · 4.625%
HK$128,353
+HK$7,362/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,982/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,659
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,055
−HK$3,447/mo
Today · 4.125%
HK$133,502
baseline
▲ 0.50% · 4.625%
HK$140,539
+HK$7,037/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$267,004/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,885 · Scale 2, in force from 26 Feb 2026)