LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,355
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,326
−HK$2,002/mo
Today · 4.125%
HK$67,328
baseline
▲ 0.50% · 4.625%
HK$71,425
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,656/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,482
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,372
−HK$1,918/mo
Today · 4.125%
HK$74,290
baseline
▲ 0.50% · 4.625%
HK$78,206
+HK$3,916/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,580/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,026
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,391
−HK$2,402/mo
Today · 4.125%
HK$80,793
baseline
▲ 0.50% · 4.625%
HK$85,710
+HK$4,917/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,586/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,578
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,846
−HK$2,302/mo
Today · 4.125%
HK$89,148
baseline
▲ 0.50% · 4.625%
HK$93,847
+HK$4,699/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,296/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,697
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,456
−HK$2,803/mo
Today · 4.125%
HK$94,259
baseline
▲ 0.50% · 4.625%
HK$99,994
+HK$5,735/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,518/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,674
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,321
−HK$2,685/mo
Today · 4.125%
HK$104,006
baseline
▲ 0.50% · 4.625%
HK$109,488
+HK$5,482/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,012/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,039
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$117,586
−HK$3,604/mo
Today · 4.125%
HK$121,190
baseline
▲ 0.50% · 4.625%
HK$128,564
+HK$7,374/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,380/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,867
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,270
−HK$3,451/mo
Today · 4.125%
HK$133,721
baseline
▲ 0.50% · 4.625%
HK$140,770
+HK$7,049/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,442/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,827 · Scale 2, in force from 26 Feb 2026)