LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,268
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,236
−HK$2,000/mo
Today · 4.125%
HK$67,236
baseline
▲ 0.50% · 4.625%
HK$71,327
+HK$4,091/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,472/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,385
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,273
−HK$1,915/mo
Today · 4.125%
HK$74,188
baseline
▲ 0.50% · 4.625%
HK$78,099
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,376/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,922
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,284
−HK$2,399/mo
Today · 4.125%
HK$80,683
baseline
▲ 0.50% · 4.625%
HK$85,592
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,366/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,462
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,728
−HK$2,298/mo
Today · 4.125%
HK$89,026
baseline
▲ 0.50% · 4.625%
HK$93,718
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,052/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,576
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,331
−HK$2,799/mo
Today · 4.125%
HK$94,130
baseline
▲ 0.50% · 4.625%
HK$99,858
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,260/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,539
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,182
−HK$2,681/mo
Today · 4.125%
HK$103,863
baseline
▲ 0.50% · 4.625%
HK$109,338
+HK$5,475/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,726/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,883
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,425
−HK$3,599/mo
Today · 4.125%
HK$121,024
baseline
▲ 0.50% · 4.625%
HK$128,388
+HK$7,364/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,048/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,694
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,091
−HK$3,448/mo
Today · 4.125%
HK$133,539
baseline
▲ 0.50% · 4.625%
HK$140,577
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,078/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,211 · Scale 2, in force from 26 Feb 2026)