LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,388
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,360
−HK$2,003/mo
Today · 4.125%
HK$67,363
baseline
▲ 0.50% · 4.625%
HK$71,462
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,726/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,518
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,410
−HK$1,918/mo
Today · 4.125%
HK$74,328
baseline
▲ 0.50% · 4.625%
HK$78,246
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,656/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,065
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,432
−HK$2,403/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,754
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,622
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,892
−HK$2,302/mo
Today · 4.125%
HK$89,194
baseline
▲ 0.50% · 4.625%
HK$93,895
+HK$4,701/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,388/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,743
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,503
−HK$2,805/mo
Today · 4.125%
HK$94,308
baseline
▲ 0.50% · 4.625%
HK$100,046
+HK$5,738/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,616/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,726
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,374
−HK$2,686/mo
Today · 4.125%
HK$104,060
baseline
▲ 0.50% · 4.625%
HK$109,545
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,120/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,098
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,647
−HK$3,606/mo
Today · 4.125%
HK$121,253
baseline
▲ 0.50% · 4.625%
HK$128,631
+HK$7,378/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,506/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,933
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,337
−HK$3,454/mo
Today · 4.125%
HK$133,791
baseline
▲ 0.50% · 4.625%
HK$140,843
+HK$7,052/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,582/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,440 · Scale 2, in force from 26 Feb 2026)