LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,260
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,228
−HK$1,999/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$71,318
+HK$4,091/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,377
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,264
−HK$1,915/mo
Today · 4.125%
HK$74,179
baseline
▲ 0.50% · 4.625%
HK$78,089
+HK$3,910/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,358/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,274
−HK$2,399/mo
Today · 4.125%
HK$80,673
baseline
▲ 0.50% · 4.625%
HK$85,582
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,346/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,452
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,717
−HK$2,298/mo
Today · 4.125%
HK$89,015
baseline
▲ 0.50% · 4.625%
HK$93,707
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,030/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,565
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,319
−HK$2,799/mo
Today · 4.125%
HK$94,118
baseline
▲ 0.50% · 4.625%
HK$99,845
+HK$5,727/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,236/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,527
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,170
−HK$2,680/mo
Today · 4.125%
HK$103,850
baseline
▲ 0.50% · 4.625%
HK$109,324
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,700/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,869
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,411
−HK$3,598/mo
Today · 4.125%
HK$121,009
baseline
▲ 0.50% · 4.625%
HK$128,372
+HK$7,363/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,018/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,678
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,075
−HK$3,447/mo
Today · 4.125%
HK$133,522
baseline
▲ 0.50% · 4.625%
HK$140,560
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,044/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,064 · Scale 2, in force from 26 Feb 2026)