LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,386
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,358
−HK$2,003/mo
Today · 4.125%
HK$67,361
baseline
▲ 0.50% · 4.625%
HK$71,460
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,722/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,517
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,408
−HK$1,919/mo
Today · 4.125%
HK$74,327
baseline
▲ 0.50% · 4.625%
HK$78,244
+HK$3,917/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,654/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,064
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,430
−HK$2,404/mo
Today · 4.125%
HK$80,834
baseline
▲ 0.50% · 4.625%
HK$85,752
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,668/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,620
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,890
−HK$2,302/mo
Today · 4.125%
HK$89,192
baseline
▲ 0.50% · 4.625%
HK$93,893
+HK$4,701/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,384/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,741
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,501
−HK$2,805/mo
Today · 4.125%
HK$94,306
baseline
▲ 0.50% · 4.625%
HK$100,044
+HK$5,738/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,612/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,723
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,371
−HK$2,686/mo
Today · 4.125%
HK$104,057
baseline
▲ 0.50% · 4.625%
HK$109,542
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,114/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,096
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,645
−HK$3,605/mo
Today · 4.125%
HK$121,250
baseline
▲ 0.50% · 4.625%
HK$128,628
+HK$7,378/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,500/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,930
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,334
−HK$3,454/mo
Today · 4.125%
HK$133,788
baseline
▲ 0.50% · 4.625%
HK$140,840
+HK$7,052/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,576/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,413 · Scale 2, in force from 26 Feb 2026)