LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,426
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,399
−HK$2,004/mo
Today · 4.125%
HK$67,403
baseline
▲ 0.50% · 4.625%
HK$71,505
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,806/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,561
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,453
−HK$1,920/mo
Today · 4.125%
HK$74,373
baseline
▲ 0.50% · 4.625%
HK$78,293
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,746/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,111
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,479
−HK$2,405/mo
Today · 4.125%
HK$80,884
baseline
▲ 0.50% · 4.625%
HK$85,806
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,768/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,673
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,944
−HK$2,304/mo
Today · 4.125%
HK$89,248
baseline
▲ 0.50% · 4.625%
HK$93,952
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,496/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,797
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,559
−HK$2,806/mo
Today · 4.125%
HK$94,365
baseline
▲ 0.50% · 4.625%
HK$100,107
+HK$5,742/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,730/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,785
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,435
−HK$2,687/mo
Today · 4.125%
HK$104,122
baseline
▲ 0.50% · 4.625%
HK$109,611
+HK$5,489/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,244/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,167
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$117,718
−HK$3,608/mo
Today · 4.125%
HK$121,326
baseline
▲ 0.50% · 4.625%
HK$128,709
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,652/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,010
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,416
−HK$3,456/mo
Today · 4.125%
HK$133,872
baseline
▲ 0.50% · 4.625%
HK$140,928
+HK$7,056/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,744/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,152 · Scale 2, in force from 26 Feb 2026)