LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,280
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,249
−HK$2,000/mo
Today · 4.125%
HK$67,249
baseline
▲ 0.50% · 4.625%
HK$71,340
+HK$4,091/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,498/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,399
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,287
−HK$1,915/mo
Today · 4.125%
HK$74,202
baseline
▲ 0.50% · 4.625%
HK$78,113
+HK$3,911/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,404/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,936
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,298
−HK$2,400/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$85,609
+HK$4,911/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,478
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,744
−HK$2,299/mo
Today · 4.125%
HK$89,043
baseline
▲ 0.50% · 4.625%
HK$93,736
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,086/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,592
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,348
−HK$2,800/mo
Today · 4.125%
HK$94,148
baseline
▲ 0.50% · 4.625%
HK$99,877
+HK$5,729/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,296/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,558
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,201
−HK$2,682/mo
Today · 4.125%
HK$103,883
baseline
▲ 0.50% · 4.625%
HK$109,359
+HK$5,476/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,766/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,905
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,448
−HK$3,599/mo
Today · 4.125%
HK$121,047
baseline
▲ 0.50% · 4.625%
HK$128,413
+HK$7,366/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,094/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,718
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,116
−HK$3,448/mo
Today · 4.125%
HK$133,564
baseline
▲ 0.50% · 4.625%
HK$140,604
+HK$7,040/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,128/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,435 · Scale 2, in force from 26 Feb 2026)