LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,448
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,421
−HK$2,005/mo
Today · 4.125%
HK$67,426
baseline
▲ 0.50% · 4.625%
HK$71,529
+HK$4,103/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$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,585
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,478
−HK$1,920/mo
Today · 4.125%
HK$74,398
baseline
▲ 0.50% · 4.625%
HK$78,320
+HK$3,922/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$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,137
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,505
−HK$2,407/mo
Today · 4.125%
HK$80,912
baseline
▲ 0.50% · 4.625%
HK$85,835
+HK$4,923/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,824/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,702
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,974
−HK$2,304/mo
Today · 4.125%
HK$89,278
baseline
▲ 0.50% · 4.625%
HK$93,984
+HK$4,706/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,556/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,827
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,590
−HK$2,807/mo
Today · 4.125%
HK$94,397
baseline
▲ 0.50% · 4.625%
HK$100,141
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,794/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,819
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,469
−HK$2,689/mo
Today · 4.125%
HK$104,158
baseline
▲ 0.50% · 4.625%
HK$109,648
+HK$5,490/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,316/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,206
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,758
−HK$3,609/mo
Today · 4.125%
HK$121,367
baseline
▲ 0.50% · 4.625%
HK$128,752
+HK$7,385/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,734/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,053
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,460
−HK$3,457/mo
Today · 4.125%
HK$133,917
baseline
▲ 0.50% · 4.625%
HK$140,976
+HK$7,059/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,834/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,554 · Scale 2, in force from 26 Feb 2026)