LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,259
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,226
−HK$1,999/mo
Today · 4.125%
HK$67,225
baseline
▲ 0.50% · 4.625%
HK$71,316
+HK$4,091/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,450/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,375
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,262
−HK$1,915/mo
Today · 4.125%
HK$74,177
baseline
▲ 0.50% · 4.625%
HK$78,087
+HK$3,910/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,354/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,910
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,272
−HK$2,399/mo
Today · 4.125%
HK$80,671
baseline
▲ 0.50% · 4.625%
HK$85,579
+HK$4,908/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,342/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,449
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,714
−HK$2,298/mo
Today · 4.125%
HK$89,012
baseline
▲ 0.50% · 4.625%
HK$93,704
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,024/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,562
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,317
−HK$2,799/mo
Today · 4.125%
HK$94,116
baseline
▲ 0.50% · 4.625%
HK$99,842
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,232/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,524
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,167
−HK$2,680/mo
Today · 4.125%
HK$103,847
baseline
▲ 0.50% · 4.625%
HK$109,321
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,694/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,865
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,407
−HK$3,599/mo
Today · 4.125%
HK$121,006
baseline
▲ 0.50% · 4.625%
HK$128,369
+HK$7,363/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,012/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,674
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,072
−HK$3,446/mo
Today · 4.125%
HK$133,518
baseline
▲ 0.50% · 4.625%
HK$140,556
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,036/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,030 · Scale 2, in force from 26 Feb 2026)