LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,432
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,405
−HK$2,004/mo
Today · 4.125%
HK$67,409
baseline
▲ 0.50% · 4.625%
HK$71,511
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,818/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$1,920/mo
Today · 4.125%
HK$74,380
baseline
▲ 0.50% · 4.625%
HK$78,300
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,760/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,118
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,486
−HK$2,405/mo
Today · 4.125%
HK$80,891
baseline
▲ 0.50% · 4.625%
HK$85,813
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,782/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,680
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,951
−HK$2,304/mo
Today · 4.125%
HK$89,255
baseline
▲ 0.50% · 4.625%
HK$93,960
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,510/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,804
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,567
−HK$2,806/mo
Today · 4.125%
HK$94,373
baseline
▲ 0.50% · 4.625%
HK$100,115
+HK$5,742/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$188,746/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,794
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,443
−HK$2,688/mo
Today · 4.125%
HK$104,131
baseline
▲ 0.50% · 4.625%
HK$109,620
+HK$5,489/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$208,262/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,177
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,728
−HK$3,609/mo
Today · 4.125%
HK$121,337
baseline
▲ 0.50% · 4.625%
HK$128,720
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,674/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,021
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,427
−HK$3,456/mo
Today · 4.125%
HK$133,883
baseline
▲ 0.50% · 4.625%
HK$140,940
+HK$7,057/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,766/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,254 · Scale 2, in force from 26 Feb 2026)