LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,276
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,244
−HK$2,000/mo
Today · 4.125%
HK$67,244
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$4,092/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,488/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,394
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,282
−HK$1,915/mo
Today · 4.125%
HK$74,197
baseline
▲ 0.50% · 4.625%
HK$78,108
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,394/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,931
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,293
−HK$2,400/mo
Today · 4.125%
HK$80,693
baseline
▲ 0.50% · 4.625%
HK$85,603
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,386/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,473
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,738
−HK$2,298/mo
Today · 4.125%
HK$89,036
baseline
▲ 0.50% · 4.625%
HK$93,730
+HK$4,694/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,072/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,586
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,342
−HK$2,799/mo
Today · 4.125%
HK$94,141
baseline
▲ 0.50% · 4.625%
HK$99,870
+HK$5,729/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,282/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,551
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,195
−HK$2,681/mo
Today · 4.125%
HK$103,876
baseline
▲ 0.50% · 4.625%
HK$109,351
+HK$5,475/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,752/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,897
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,440
−HK$3,599/mo
Today · 4.125%
HK$121,039
baseline
▲ 0.50% · 4.625%
HK$128,404
+HK$7,365/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,078/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,709
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,107
−HK$3,448/mo
Today · 4.125%
HK$133,555
baseline
▲ 0.50% · 4.625%
HK$140,595
+HK$7,040/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,110/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,354 · Scale 2, in force from 26 Feb 2026)