LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,254
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,221
−HK$1,999/mo
Today · 4.125%
HK$67,220
baseline
▲ 0.50% · 4.625%
HK$71,310
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,440/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,369
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,256
−HK$1,915/mo
Today · 4.125%
HK$74,171
baseline
▲ 0.50% · 4.625%
HK$78,080
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,342/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,399/mo
Today · 4.125%
HK$80,664
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,908/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,328/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,443
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,707
−HK$2,298/mo
Today · 4.125%
HK$89,005
baseline
▲ 0.50% · 4.625%
HK$93,697
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$178,010/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,555
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,310
−HK$2,798/mo
Today · 4.125%
HK$94,108
baseline
▲ 0.50% · 4.625%
HK$99,834
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,216/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,517
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,159
−HK$2,680/mo
Today · 4.125%
HK$103,839
baseline
▲ 0.50% · 4.625%
HK$109,313
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,678/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,856
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,398
−HK$3,598/mo
Today · 4.125%
HK$120,996
baseline
▲ 0.50% · 4.625%
HK$128,359
+HK$7,363/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$241,992/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,664
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,061
−HK$3,446/mo
Today · 4.125%
HK$133,507
baseline
▲ 0.50% · 4.625%
HK$140,545
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,014/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,937 · Scale 2, in force from 26 Feb 2026)