LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,277
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,245
−HK$2,000/mo
Today · 4.125%
HK$67,245
baseline
▲ 0.50% · 4.625%
HK$71,337
+HK$4,092/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,490/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,395
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,283
−HK$1,915/mo
Today · 4.125%
HK$74,198
baseline
▲ 0.50% · 4.625%
HK$78,109
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,396/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,932
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,294
−HK$2,400/mo
Today · 4.125%
HK$80,694
baseline
▲ 0.50% · 4.625%
HK$85,604
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,388/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,474
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,740
−HK$2,298/mo
Today · 4.125%
HK$89,038
baseline
▲ 0.50% · 4.625%
HK$93,731
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,076/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,588
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,343
−HK$2,800/mo
Today · 4.125%
HK$94,143
baseline
▲ 0.50% · 4.625%
HK$99,871
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,286/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,553
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,196
−HK$2,682/mo
Today · 4.125%
HK$103,878
baseline
▲ 0.50% · 4.625%
HK$109,353
+HK$5,475/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,756/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,899
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,442
−HK$3,599/mo
Today · 4.125%
HK$121,041
baseline
▲ 0.50% · 4.625%
HK$128,406
+HK$7,365/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,082/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,711
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,109
−HK$3,448/mo
Today · 4.125%
HK$133,557
baseline
▲ 0.50% · 4.625%
HK$140,597
+HK$7,040/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,114/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,374 · Scale 2, in force from 26 Feb 2026)