LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,390
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,362
−HK$2,003/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$71,465
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,521
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,412
−HK$1,919/mo
Today · 4.125%
HK$74,331
baseline
▲ 0.50% · 4.625%
HK$78,249
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,662/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,068
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,435
−HK$2,404/mo
Today · 4.125%
HK$80,839
baseline
▲ 0.50% · 4.625%
HK$85,757
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,678/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,625
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,895
−HK$2,302/mo
Today · 4.125%
HK$89,197
baseline
▲ 0.50% · 4.625%
HK$93,899
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,394/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,746
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,507
−HK$2,805/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$100,050
+HK$5,738/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,730
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,377
−HK$2,687/mo
Today · 4.125%
HK$104,064
baseline
▲ 0.50% · 4.625%
HK$109,549
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,128/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,103
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,652
−HK$3,606/mo
Today · 4.125%
HK$121,258
baseline
▲ 0.50% · 4.625%
HK$128,636
+HK$7,378/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,516/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,938
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,342
−HK$3,454/mo
Today · 4.125%
HK$133,796
baseline
▲ 0.50% · 4.625%
HK$140,849
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,592/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,486 · Scale 2, in force from 26 Feb 2026)