LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,274
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,242
−HK$2,000/mo
Today · 4.125%
HK$67,242
baseline
▲ 0.50% · 4.625%
HK$71,334
+HK$4,092/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,484/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,392
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,280
−HK$1,915/mo
Today · 4.125%
HK$74,195
baseline
▲ 0.50% · 4.625%
HK$78,106
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,390/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,929
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,291
−HK$2,399/mo
Today · 4.125%
HK$80,690
baseline
▲ 0.50% · 4.625%
HK$85,600
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,380/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,470
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,736
−HK$2,298/mo
Today · 4.125%
HK$89,034
baseline
▲ 0.50% · 4.625%
HK$93,727
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,068/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,584
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,339
−HK$2,800/mo
Today · 4.125%
HK$94,139
baseline
▲ 0.50% · 4.625%
HK$99,867
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,278/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,549
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,192
−HK$2,681/mo
Today · 4.125%
HK$103,873
baseline
▲ 0.50% · 4.625%
HK$109,348
+HK$5,475/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,746/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,894
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,436
−HK$3,600/mo
Today · 4.125%
HK$121,036
baseline
▲ 0.50% · 4.625%
HK$128,400
+HK$7,364/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,072/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,705
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,104
−HK$3,447/mo
Today · 4.125%
HK$133,551
baseline
▲ 0.50% · 4.625%
HK$140,591
+HK$7,040/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,102/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,321 · Scale 2, in force from 26 Feb 2026)