LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,432
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,405
−HK$2,005/mo
Today · 4.125%
HK$67,410
baseline
▲ 0.50% · 4.625%
HK$71,512
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,820/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,568
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$1,920/mo
Today · 4.125%
HK$74,380
baseline
▲ 0.50% · 4.625%
HK$78,301
+HK$3,921/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$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,119
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,486
−HK$2,406/mo
Today · 4.125%
HK$80,892
baseline
▲ 0.50% · 4.625%
HK$85,814
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,784/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,681
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,952
−HK$2,304/mo
Today · 4.125%
HK$89,256
baseline
▲ 0.50% · 4.625%
HK$93,961
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,512/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,805
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,567
−HK$2,807/mo
Today · 4.125%
HK$94,374
baseline
▲ 0.50% · 4.625%
HK$100,116
+HK$5,742/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$188,748/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,795
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,444
−HK$2,688/mo
Today · 4.125%
HK$104,132
baseline
▲ 0.50% · 4.625%
HK$109,621
+HK$5,489/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$208,264/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,178
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,730
−HK$3,608/mo
Today · 4.125%
HK$121,338
baseline
▲ 0.50% · 4.625%
HK$128,721
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,676/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,022
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,429
−HK$3,456/mo
Today · 4.125%
HK$133,885
baseline
▲ 0.50% · 4.625%
HK$140,942
+HK$7,057/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,770/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,267 · Scale 2, in force from 26 Feb 2026)