LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,377
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,348
−HK$2,003/mo
Today · 4.125%
HK$67,351
baseline
▲ 0.50% · 4.625%
HK$71,449
+HK$4,098/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,702/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,506
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,397
−HK$1,918/mo
Today · 4.125%
HK$74,315
baseline
▲ 0.50% · 4.625%
HK$78,232
+HK$3,917/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,630/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,052
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,417
−HK$2,404/mo
Today · 4.125%
HK$80,821
baseline
▲ 0.50% · 4.625%
HK$85,739
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,642/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,607
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,876
−HK$2,302/mo
Today · 4.125%
HK$89,178
baseline
▲ 0.50% · 4.625%
HK$93,879
+HK$4,701/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,356/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,727
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,487
−HK$2,804/mo
Today · 4.125%
HK$94,291
baseline
▲ 0.50% · 4.625%
HK$100,028
+HK$5,737/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,582/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,708
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,355
−HK$2,686/mo
Today · 4.125%
HK$104,041
baseline
▲ 0.50% · 4.625%
HK$109,525
+HK$5,484/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,082/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,078
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,626
−HK$3,605/mo
Today · 4.125%
HK$121,231
baseline
▲ 0.50% · 4.625%
HK$128,608
+HK$7,377/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,462/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,910
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,314
−HK$3,453/mo
Today · 4.125%
HK$133,767
baseline
▲ 0.50% · 4.625%
HK$140,818
+HK$7,051/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,534/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,228 · Scale 2, in force from 26 Feb 2026)