LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,418
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,390
−HK$2,005/mo
Today · 4.125%
HK$67,395
baseline
▲ 0.50% · 4.625%
HK$71,495
+HK$4,100/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,790/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,552
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,444
−HK$1,919/mo
Today · 4.125%
HK$74,363
baseline
▲ 0.50% · 4.625%
HK$78,283
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,726/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,101
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,468
−HK$2,405/mo
Today · 4.125%
HK$80,873
baseline
▲ 0.50% · 4.625%
HK$85,794
+HK$4,921/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$161,746/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,662
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,932
−HK$2,304/mo
Today · 4.125%
HK$89,236
baseline
▲ 0.50% · 4.625%
HK$93,940
+HK$4,704/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$178,472/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,785
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,546
−HK$2,806/mo
Today · 4.125%
HK$94,352
baseline
▲ 0.50% · 4.625%
HK$100,093
+HK$5,741/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,704/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,772
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,421
−HK$2,688/mo
Today · 4.125%
HK$104,109
baseline
▲ 0.50% · 4.625%
HK$109,596
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,218/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,152
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,703
−HK$3,607/mo
Today · 4.125%
HK$121,310
baseline
▲ 0.50% · 4.625%
HK$128,692
+HK$7,382/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,620/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,993
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,399
−HK$3,455/mo
Today · 4.125%
HK$133,854
baseline
▲ 0.50% · 4.625%
HK$140,909
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,708/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,996 · Scale 2, in force from 26 Feb 2026)