LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,257
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,225
−HK$1,999/mo
Today · 4.125%
HK$67,224
baseline
▲ 0.50% · 4.625%
HK$71,315
+HK$4,091/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$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,373
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,261
−HK$1,914/mo
Today · 4.125%
HK$74,175
baseline
▲ 0.50% · 4.625%
HK$78,085
+HK$3,910/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$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,909
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,270
−HK$2,399/mo
Today · 4.125%
HK$80,669
baseline
▲ 0.50% · 4.625%
HK$85,578
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,338/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,448
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,713
−HK$2,297/mo
Today · 4.125%
HK$89,010
baseline
▲ 0.50% · 4.625%
HK$93,702
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$178,020/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,560
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,315
−HK$2,799/mo
Today · 4.125%
HK$94,114
baseline
▲ 0.50% · 4.625%
HK$99,840
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,228/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,523
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,165
−HK$2,680/mo
Today · 4.125%
HK$103,845
baseline
▲ 0.50% · 4.625%
HK$109,319
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,690/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,863
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,405
−HK$3,599/mo
Today · 4.125%
HK$121,004
baseline
▲ 0.50% · 4.625%
HK$128,366
+HK$7,362/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,008/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,672
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,069
−HK$3,446/mo
Today · 4.125%
HK$133,515
baseline
▲ 0.50% · 4.625%
HK$140,553
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,030/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,008 · Scale 2, in force from 26 Feb 2026)