LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,440
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,413
−HK$2,005/mo
Today · 4.125%
HK$67,418
baseline
▲ 0.50% · 4.625%
HK$71,520
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,836/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,576
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,469
−HK$1,920/mo
Today · 4.125%
HK$74,389
baseline
▲ 0.50% · 4.625%
HK$78,310
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,778/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,128
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,496
−HK$2,406/mo
Today · 4.125%
HK$80,902
baseline
▲ 0.50% · 4.625%
HK$85,824
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,804/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,691
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,963
−HK$2,304/mo
Today · 4.125%
HK$89,267
baseline
▲ 0.50% · 4.625%
HK$93,972
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,534/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,816
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,579
−HK$2,806/mo
Today · 4.125%
HK$94,385
baseline
▲ 0.50% · 4.625%
HK$100,128
+HK$5,743/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$188,770/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,807
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,457
−HK$2,688/mo
Today · 4.125%
HK$104,145
baseline
▲ 0.50% · 4.625%
HK$109,635
+HK$5,490/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$208,290/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,192
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,744
−HK$3,609/mo
Today · 4.125%
HK$121,353
baseline
▲ 0.50% · 4.625%
HK$128,737
+HK$7,384/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,706/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,037
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,444
−HK$3,457/mo
Today · 4.125%
HK$133,901
baseline
▲ 0.50% · 4.625%
HK$140,959
+HK$7,058/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,802/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,409 · Scale 2, in force from 26 Feb 2026)