LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,264
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,232
−HK$2,000/mo
Today · 4.125%
HK$67,232
baseline
▲ 0.50% · 4.625%
HK$71,323
+HK$4,091/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,464/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,381
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,269
−HK$1,914/mo
Today · 4.125%
HK$74,183
baseline
▲ 0.50% · 4.625%
HK$78,094
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,366/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,917
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,279
−HK$2,399/mo
Today · 4.125%
HK$80,678
baseline
▲ 0.50% · 4.625%
HK$85,587
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,356/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,457
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,722
−HK$2,298/mo
Today · 4.125%
HK$89,020
baseline
▲ 0.50% · 4.625%
HK$93,713
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,040/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,570
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,325
−HK$2,799/mo
Today · 4.125%
HK$94,124
baseline
▲ 0.50% · 4.625%
HK$99,852
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,248/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,533
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,176
−HK$2,681/mo
Today · 4.125%
HK$103,857
baseline
▲ 0.50% · 4.625%
HK$109,331
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,714/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,876
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,418
−HK$3,599/mo
Today · 4.125%
HK$121,017
baseline
▲ 0.50% · 4.625%
HK$128,381
+HK$7,364/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,034/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,686
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,083
−HK$3,447/mo
Today · 4.125%
HK$133,530
baseline
▲ 0.50% · 4.625%
HK$140,569
+HK$7,039/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,060/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,139 · Scale 2, in force from 26 Feb 2026)