LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,311
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,281
−HK$2,001/mo
Today · 4.125%
HK$67,282
baseline
▲ 0.50% · 4.625%
HK$71,375
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,564/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,433
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,322
−HK$1,917/mo
Today · 4.125%
HK$74,239
baseline
▲ 0.50% · 4.625%
HK$78,152
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,478/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,974
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,337
−HK$2,401/mo
Today · 4.125%
HK$80,738
baseline
▲ 0.50% · 4.625%
HK$85,651
+HK$4,913/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,476/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,520
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,787
−HK$2,299/mo
Today · 4.125%
HK$89,086
baseline
▲ 0.50% · 4.625%
HK$93,782
+HK$4,696/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,172/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,636
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,393
−HK$2,801/mo
Today · 4.125%
HK$94,194
baseline
▲ 0.50% · 4.625%
HK$99,926
+HK$5,732/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,388/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,607
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,251
−HK$2,683/mo
Today · 4.125%
HK$103,934
baseline
▲ 0.50% · 4.625%
HK$109,412
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,868/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,960
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,505
−HK$3,602/mo
Today · 4.125%
HK$121,107
baseline
▲ 0.50% · 4.625%
HK$128,476
+HK$7,369/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,214/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,780
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,180
−HK$3,449/mo
Today · 4.125%
HK$133,629
baseline
▲ 0.50% · 4.625%
HK$140,673
+HK$7,044/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,258/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,013 · Scale 2, in force from 26 Feb 2026)