LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,402
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,374
−HK$2,003/mo
Today · 4.125%
HK$67,377
baseline
▲ 0.50% · 4.625%
HK$71,477
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,754/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,534
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,425
−HK$1,919/mo
Today · 4.125%
HK$74,344
baseline
▲ 0.50% · 4.625%
HK$78,263
+HK$3,919/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,688/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,082
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,449
−HK$2,404/mo
Today · 4.125%
HK$80,853
baseline
▲ 0.50% · 4.625%
HK$85,773
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,706/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,640
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,910
−HK$2,303/mo
Today · 4.125%
HK$89,213
baseline
▲ 0.50% · 4.625%
HK$93,916
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,426/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,762
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,523
−HK$2,805/mo
Today · 4.125%
HK$94,328
baseline
▲ 0.50% · 4.625%
HK$100,068
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,656/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,747
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,396
−HK$2,686/mo
Today · 4.125%
HK$104,082
baseline
▲ 0.50% · 4.625%
HK$109,569
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,164/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,123
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,673
−HK$3,606/mo
Today · 4.125%
HK$121,279
baseline
▲ 0.50% · 4.625%
HK$128,659
+HK$7,380/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,558/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,961
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,366
−HK$3,454/mo
Today · 4.125%
HK$133,820
baseline
▲ 0.50% · 4.625%
HK$140,874
+HK$7,054/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,640/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,697 · Scale 2, in force from 26 Feb 2026)