LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,447
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,421
−HK$2,005/mo
Today · 4.125%
HK$67,426
baseline
▲ 0.50% · 4.625%
HK$71,528
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,852/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,584
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,477
−HK$1,921/mo
Today · 4.125%
HK$74,398
baseline
▲ 0.50% · 4.625%
HK$78,319
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,796/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,136
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,505
−HK$2,406/mo
Today · 4.125%
HK$80,911
baseline
▲ 0.50% · 4.625%
HK$85,834
+HK$4,923/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,822/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,701
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,973
−HK$2,304/mo
Today · 4.125%
HK$89,277
baseline
▲ 0.50% · 4.625%
HK$93,983
+HK$4,706/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,554/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,826
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,589
−HK$2,807/mo
Today · 4.125%
HK$94,396
baseline
▲ 0.50% · 4.625%
HK$100,140
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,792/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,818
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,468
−HK$2,689/mo
Today · 4.125%
HK$104,157
baseline
▲ 0.50% · 4.625%
HK$109,647
+HK$5,490/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,314/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,205
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,757
−HK$3,609/mo
Today · 4.125%
HK$121,366
baseline
▲ 0.50% · 4.625%
HK$128,751
+HK$7,385/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,732/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,051
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,459
−HK$3,457/mo
Today · 4.125%
HK$133,916
baseline
▲ 0.50% · 4.625%
HK$140,974
+HK$7,058/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,832/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,541 · Scale 2, in force from 26 Feb 2026)