LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,383
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$2,004/mo
Today · 4.125%
HK$67,358
baseline
▲ 0.50% · 4.625%
HK$71,456
+HK$4,098/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,716/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,513
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,404
−HK$1,918/mo
Today · 4.125%
HK$74,322
baseline
▲ 0.50% · 4.625%
HK$78,240
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,644/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,059
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,425
−HK$2,404/mo
Today · 4.125%
HK$80,829
baseline
▲ 0.50% · 4.625%
HK$85,747
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,658/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,615
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,885
−HK$2,302/mo
Today · 4.125%
HK$89,187
baseline
▲ 0.50% · 4.625%
HK$93,888
+HK$4,701/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,374/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,736
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,496
−HK$2,805/mo
Today · 4.125%
HK$94,301
baseline
▲ 0.50% · 4.625%
HK$100,038
+HK$5,737/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,602/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,718
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,365
−HK$2,686/mo
Today · 4.125%
HK$104,051
baseline
▲ 0.50% · 4.625%
HK$109,536
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,102/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,089
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,638
−HK$3,606/mo
Today · 4.125%
HK$121,244
baseline
▲ 0.50% · 4.625%
HK$128,621
+HK$7,377/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,488/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,923
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,327
−HK$3,453/mo
Today · 4.125%
HK$133,780
baseline
▲ 0.50% · 4.625%
HK$140,832
+HK$7,052/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,560/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,346 · Scale 2, in force from 26 Feb 2026)