LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,300
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$2,001/mo
Today · 4.125%
HK$67,270
baseline
▲ 0.50% · 4.625%
HK$71,363
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,540/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,421
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,309
−HK$1,916/mo
Today · 4.125%
HK$74,225
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,450/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,960
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,323
−HK$2,400/mo
Today · 4.125%
HK$80,723
baseline
▲ 0.50% · 4.625%
HK$85,635
+HK$4,912/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$161,446/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,505
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,771
−HK$2,299/mo
Today · 4.125%
HK$89,070
baseline
▲ 0.50% · 4.625%
HK$93,765
+HK$4,695/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$178,140/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,620
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,377
−HK$2,800/mo
Today · 4.125%
HK$94,177
baseline
▲ 0.50% · 4.625%
HK$99,908
+HK$5,731/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,354/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,589
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,233
−HK$2,682/mo
Today · 4.125%
HK$103,915
baseline
▲ 0.50% · 4.625%
HK$109,393
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,830/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,940
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,484
−HK$3,601/mo
Today · 4.125%
HK$121,085
baseline
▲ 0.50% · 4.625%
HK$128,453
+HK$7,368/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,170/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,757
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,157
−HK$3,448/mo
Today · 4.125%
HK$133,605
baseline
▲ 0.50% · 4.625%
HK$140,648
+HK$7,043/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,210/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,803 · Scale 2, in force from 26 Feb 2026)