LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,257
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,224
−HK$2,000/mo
Today · 4.125%
HK$67,224
baseline
▲ 0.50% · 4.625%
HK$71,314
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,448/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,373
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,260
−HK$1,915/mo
Today · 4.125%
HK$74,175
baseline
▲ 0.50% · 4.625%
HK$78,084
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,350/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,908
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,269
−HK$2,399/mo
Today · 4.125%
HK$80,668
baseline
▲ 0.50% · 4.625%
HK$85,577
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,336/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,447
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,712
−HK$2,297/mo
Today · 4.125%
HK$89,009
baseline
▲ 0.50% · 4.625%
HK$93,701
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$178,018/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,560
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,314
−HK$2,799/mo
Today · 4.125%
HK$94,113
baseline
▲ 0.50% · 4.625%
HK$99,840
+HK$5,727/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,226/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,522
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,164
−HK$2,680/mo
Today · 4.125%
HK$103,844
baseline
▲ 0.50% · 4.625%
HK$109,318
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,688/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,862
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,404
−HK$3,598/mo
Today · 4.125%
HK$121,002
baseline
▲ 0.50% · 4.625%
HK$128,365
+HK$7,363/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,004/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,671
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,068
−HK$3,446/mo
Today · 4.125%
HK$133,514
baseline
▲ 0.50% · 4.625%
HK$140,552
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,028/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,997 · Scale 2, in force from 26 Feb 2026)