LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,289
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,258
−HK$2,000/mo
Today · 4.125%
HK$67,258
baseline
▲ 0.50% · 4.625%
HK$71,350
+HK$4,092/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,516/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,409
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,297
−HK$1,916/mo
Today · 4.125%
HK$74,213
baseline
▲ 0.50% · 4.625%
HK$78,124
+HK$3,911/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,426/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,947
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,401/mo
Today · 4.125%
HK$80,710
baseline
▲ 0.50% · 4.625%
HK$85,621
+HK$4,911/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,420/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,490
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,756
−HK$2,299/mo
Today · 4.125%
HK$89,055
baseline
▲ 0.50% · 4.625%
HK$93,749
+HK$4,694/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,110/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,605
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,361
−HK$2,800/mo
Today · 4.125%
HK$94,161
baseline
▲ 0.50% · 4.625%
HK$99,891
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,322/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,572
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,216
−HK$2,682/mo
Today · 4.125%
HK$103,898
baseline
▲ 0.50% · 4.625%
HK$109,374
+HK$5,476/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,796/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,921
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$117,464
−HK$3,600/mo
Today · 4.125%
HK$121,064
baseline
▲ 0.50% · 4.625%
HK$128,431
+HK$7,367/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,128/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,736
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,134
−HK$3,449/mo
Today · 4.125%
HK$133,583
baseline
▲ 0.50% · 4.625%
HK$140,624
+HK$7,041/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,166/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,601 · Scale 2, in force from 26 Feb 2026)