LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,445
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,418
−HK$2,005/mo
Today · 4.125%
HK$67,423
baseline
▲ 0.50% · 4.625%
HK$71,526
+HK$4,103/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,846/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,582
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,475
−HK$1,920/mo
Today · 4.125%
HK$74,395
baseline
▲ 0.50% · 4.625%
HK$78,317
+HK$3,922/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,790/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,134
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,502
−HK$2,406/mo
Today · 4.125%
HK$80,908
baseline
▲ 0.50% · 4.625%
HK$85,831
+HK$4,923/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,816/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,698
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,970
−HK$2,304/mo
Today · 4.125%
HK$89,274
baseline
▲ 0.50% · 4.625%
HK$93,980
+HK$4,706/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,548/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,823
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,586
−HK$2,807/mo
Today · 4.125%
HK$94,393
baseline
▲ 0.50% · 4.625%
HK$100,136
+HK$5,743/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,786/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,815
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,465
−HK$2,688/mo
Today · 4.125%
HK$104,153
baseline
▲ 0.50% · 4.625%
HK$109,643
+HK$5,490/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,306/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,201
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,753
−HK$3,609/mo
Today · 4.125%
HK$121,362
baseline
▲ 0.50% · 4.625%
HK$128,747
+HK$7,385/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,724/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,047
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,455
−HK$3,456/mo
Today · 4.125%
HK$133,911
baseline
▲ 0.50% · 4.625%
HK$140,970
+HK$7,059/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,822/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,503 · Scale 2, in force from 26 Feb 2026)