LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,402
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,375
−HK$2,003/mo
Today · 4.125%
HK$67,378
baseline
▲ 0.50% · 4.625%
HK$71,478
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,756/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,534
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,426
−HK$1,919/mo
Today · 4.125%
HK$74,345
baseline
▲ 0.50% · 4.625%
HK$78,264
+HK$3,919/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,690/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,083
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,449
−HK$2,405/mo
Today · 4.125%
HK$80,854
baseline
▲ 0.50% · 4.625%
HK$85,774
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,708/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,641
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,911
−HK$2,303/mo
Today · 4.125%
HK$89,214
baseline
▲ 0.50% · 4.625%
HK$93,917
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,428/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,763
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,524
−HK$2,806/mo
Today · 4.125%
HK$94,330
baseline
▲ 0.50% · 4.625%
HK$100,069
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,660/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,748
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,397
−HK$2,686/mo
Today · 4.125%
HK$104,083
baseline
▲ 0.50% · 4.625%
HK$109,570
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,166/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,124
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,674
−HK$3,607/mo
Today · 4.125%
HK$121,281
baseline
▲ 0.50% · 4.625%
HK$128,661
+HK$7,380/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,562/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,962
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,367
−HK$3,454/mo
Today · 4.125%
HK$133,821
baseline
▲ 0.50% · 4.625%
HK$140,875
+HK$7,054/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,642/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,710 · Scale 2, in force from 26 Feb 2026)