LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,412
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,384
−HK$2,004/mo
Today · 4.125%
HK$67,388
baseline
▲ 0.50% · 4.625%
HK$71,489
+HK$4,101/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,776/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,545
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,437
−HK$1,919/mo
Today · 4.125%
HK$74,356
baseline
▲ 0.50% · 4.625%
HK$78,276
+HK$3,920/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,712/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,094
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,461
−HK$2,405/mo
Today · 4.125%
HK$80,866
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,921/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$161,732/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,654
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,924
−HK$2,304/mo
Today · 4.125%
HK$89,228
baseline
▲ 0.50% · 4.625%
HK$93,931
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$178,456/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,777
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,538
−HK$2,806/mo
Today · 4.125%
HK$94,344
baseline
▲ 0.50% · 4.625%
HK$100,084
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,688/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,763
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,412
−HK$2,687/mo
Today · 4.125%
HK$104,099
baseline
▲ 0.50% · 4.625%
HK$109,586
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,198/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,141
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,692
−HK$3,607/mo
Today · 4.125%
HK$121,299
baseline
▲ 0.50% · 4.625%
HK$128,680
+HK$7,381/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,598/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,981
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,387
−HK$3,455/mo
Today · 4.125%
HK$133,842
baseline
▲ 0.50% · 4.625%
HK$140,897
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,684/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,887 · Scale 2, in force from 26 Feb 2026)