LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,362
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,333
−HK$2,003/mo
Today · 4.125%
HK$67,336
baseline
▲ 0.50% · 4.625%
HK$71,433
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,672/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,490
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,381
−HK$1,917/mo
Today · 4.125%
HK$74,298
baseline
▲ 0.50% · 4.625%
HK$78,215
+HK$3,917/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,596/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,035
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,400
−HK$2,403/mo
Today · 4.125%
HK$80,803
baseline
▲ 0.50% · 4.625%
HK$85,720
+HK$4,917/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,606/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,588
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,857
−HK$2,301/mo
Today · 4.125%
HK$89,158
baseline
▲ 0.50% · 4.625%
HK$93,858
+HK$4,700/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,316/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,707
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,467
−HK$2,803/mo
Today · 4.125%
HK$94,270
baseline
▲ 0.50% · 4.625%
HK$100,006
+HK$5,736/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,540/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,686
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,333
−HK$2,685/mo
Today · 4.125%
HK$104,018
baseline
▲ 0.50% · 4.625%
HK$109,501
+HK$5,483/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,036/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,052
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,600
−HK$3,604/mo
Today · 4.125%
HK$121,204
baseline
▲ 0.50% · 4.625%
HK$128,580
+HK$7,376/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,408/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,882
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,285
−HK$3,452/mo
Today · 4.125%
HK$133,737
baseline
▲ 0.50% · 4.625%
HK$140,787
+HK$7,050/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,474/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,966 · Scale 2, in force from 26 Feb 2026)