LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,422
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,395
−HK$2,004/mo
Today · 4.125%
HK$67,399
baseline
▲ 0.50% · 4.625%
HK$71,500
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,798/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,557
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,449
−HK$1,919/mo
Today · 4.125%
HK$74,368
baseline
▲ 0.50% · 4.625%
HK$78,289
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,736/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,107
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,474
−HK$2,405/mo
Today · 4.125%
HK$80,879
baseline
▲ 0.50% · 4.625%
HK$85,800
+HK$4,921/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,758/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,668
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,939
−HK$2,303/mo
Today · 4.125%
HK$89,242
baseline
▲ 0.50% · 4.625%
HK$93,946
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,484/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,791
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,553
−HK$2,806/mo
Today · 4.125%
HK$94,359
baseline
▲ 0.50% · 4.625%
HK$100,101
+HK$5,742/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,718/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,779
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,428
−HK$2,688/mo
Today · 4.125%
HK$104,116
baseline
▲ 0.50% · 4.625%
HK$109,604
+HK$5,488/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,232/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,160
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$117,711
−HK$3,608/mo
Today · 4.125%
HK$121,319
baseline
▲ 0.50% · 4.625%
HK$128,701
+HK$7,382/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,638/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,002
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,408
−HK$3,455/mo
Today · 4.125%
HK$133,863
baseline
▲ 0.50% · 4.625%
HK$140,919
+HK$7,056/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,726/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,079 · Scale 2, in force from 26 Feb 2026)