LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,363
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$2,003/mo
Today · 4.125%
HK$67,337
baseline
▲ 0.50% · 4.625%
HK$71,434
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,674/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,491
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,382
−HK$1,918/mo
Today · 4.125%
HK$74,300
baseline
▲ 0.50% · 4.625%
HK$78,216
+HK$3,916/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,600/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,036
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,401
−HK$2,403/mo
Today · 4.125%
HK$80,804
baseline
▲ 0.50% · 4.625%
HK$85,721
+HK$4,917/mo
Deposit HK$11.12M · loan HK$16.67M · min. income ≈ HK$161,608/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,589
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,858
−HK$2,302/mo
Today · 4.125%
HK$89,160
baseline
▲ 0.50% · 4.625%
HK$93,859
+HK$4,699/mo
Deposit HK$11.12M · loan HK$16.67M · min. income ≈ HK$178,320/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,709
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,468
−HK$2,804/mo
Today · 4.125%
HK$94,272
baseline
▲ 0.50% · 4.625%
HK$100,008
+HK$5,736/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,544/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,688
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,334
−HK$2,685/mo
Today · 4.125%
HK$104,019
baseline
▲ 0.50% · 4.625%
HK$109,502
+HK$5,483/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,038/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,054
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,602
−HK$3,604/mo
Today · 4.125%
HK$121,206
baseline
▲ 0.50% · 4.625%
HK$128,582
+HK$7,376/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,412/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,884
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,287
−HK$3,452/mo
Today · 4.125%
HK$133,739
baseline
▲ 0.50% · 4.625%
HK$140,789
+HK$7,050/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,478/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,985 · Scale 2, in force from 26 Feb 2026)