LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,269
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,237
−HK$2,000/mo
Today · 4.125%
HK$67,237
baseline
▲ 0.50% · 4.625%
HK$71,328
+HK$4,091/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,474/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,386
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,274
−HK$1,915/mo
Today · 4.125%
HK$74,189
baseline
▲ 0.50% · 4.625%
HK$78,100
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,378/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,923
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,285
−HK$2,399/mo
Today · 4.125%
HK$80,684
baseline
▲ 0.50% · 4.625%
HK$85,593
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,368/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,463
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,729
−HK$2,298/mo
Today · 4.125%
HK$89,027
baseline
▲ 0.50% · 4.625%
HK$93,720
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,054/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,577
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,332
−HK$2,799/mo
Today · 4.125%
HK$94,131
baseline
▲ 0.50% · 4.625%
HK$99,859
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,262/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,541
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,184
−HK$2,681/mo
Today · 4.125%
HK$103,865
baseline
▲ 0.50% · 4.625%
HK$109,339
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,730/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,884
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,427
−HK$3,599/mo
Today · 4.125%
HK$121,026
baseline
▲ 0.50% · 4.625%
HK$128,390
+HK$7,364/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,052/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,695
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,093
−HK$3,447/mo
Today · 4.125%
HK$133,540
baseline
▲ 0.50% · 4.625%
HK$140,579
+HK$7,039/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,080/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,226 · Scale 2, in force from 26 Feb 2026)