LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,383
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,355
−HK$2,003/mo
Today · 4.125%
HK$67,358
baseline
▲ 0.50% · 4.625%
HK$71,457
+HK$4,099/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$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,513
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,404
−HK$1,919/mo
Today · 4.125%
HK$74,323
baseline
▲ 0.50% · 4.625%
HK$78,241
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,646/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,060
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,426
−HK$2,404/mo
Today · 4.125%
HK$80,830
baseline
▲ 0.50% · 4.625%
HK$85,748
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,660/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,616
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,885
−HK$2,302/mo
Today · 4.125%
HK$89,187
baseline
▲ 0.50% · 4.625%
HK$93,889
+HK$4,702/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$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,737
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,497
−HK$2,804/mo
Today · 4.125%
HK$94,301
baseline
▲ 0.50% · 4.625%
HK$100,039
+HK$5,738/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$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,719
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,366
−HK$2,686/mo
Today · 4.125%
HK$104,052
baseline
▲ 0.50% · 4.625%
HK$109,537
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,104/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,090
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,639
−HK$3,605/mo
Today · 4.125%
HK$121,244
baseline
▲ 0.50% · 4.625%
HK$128,622
+HK$7,378/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$1,181,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,924
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,328
−HK$3,453/mo
Today · 4.125%
HK$133,781
baseline
▲ 0.50% · 4.625%
HK$140,833
+HK$7,052/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,562/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,354 · Scale 2, in force from 26 Feb 2026)