LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,308
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,278
−HK$2,000/mo
Today · 4.125%
HK$67,278
baseline
▲ 0.50% · 4.625%
HK$71,372
+HK$4,094/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,556/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,430
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,319
−HK$1,916/mo
Today · 4.125%
HK$74,235
baseline
▲ 0.50% · 4.625%
HK$78,148
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,470/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,970
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,333
−HK$2,401/mo
Today · 4.125%
HK$80,734
baseline
▲ 0.50% · 4.625%
HK$85,646
+HK$4,912/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,468/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,516
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,783
−HK$2,299/mo
Today · 4.125%
HK$89,082
baseline
▲ 0.50% · 4.625%
HK$93,778
+HK$4,696/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,164/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,632
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,389
−HK$2,801/mo
Today · 4.125%
HK$94,190
baseline
▲ 0.50% · 4.625%
HK$99,921
+HK$5,731/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,380/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,602
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,246
−HK$2,683/mo
Today · 4.125%
HK$103,929
baseline
▲ 0.50% · 4.625%
HK$109,407
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,858/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,955
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$117,500
−HK$3,601/mo
Today · 4.125%
HK$121,101
baseline
▲ 0.50% · 4.625%
HK$128,470
+HK$7,369/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,202/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,774
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,174
−HK$3,449/mo
Today · 4.125%
HK$133,623
baseline
▲ 0.50% · 4.625%
HK$140,666
+HK$7,043/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,246/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,957 · Scale 2, in force from 26 Feb 2026)