LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,451
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,425
−HK$2,005/mo
Today · 4.125%
HK$67,430
baseline
▲ 0.50% · 4.625%
HK$71,533
+HK$4,103/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,860/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,589
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,482
−HK$1,921/mo
Today · 4.125%
HK$74,403
baseline
▲ 0.50% · 4.625%
HK$78,324
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,806/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,141
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,510
−HK$2,406/mo
Today · 4.125%
HK$80,916
baseline
▲ 0.50% · 4.625%
HK$85,840
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,832/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,707
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,978
−HK$2,305/mo
Today · 4.125%
HK$89,283
baseline
▲ 0.50% · 4.625%
HK$93,989
+HK$4,706/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,566/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,832
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,595
−HK$2,807/mo
Today · 4.125%
HK$94,402
baseline
▲ 0.50% · 4.625%
HK$100,146
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,804/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,824
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,475
−HK$2,689/mo
Today · 4.125%
HK$104,164
baseline
▲ 0.50% · 4.625%
HK$109,654
+HK$5,490/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,328/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,212
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$117,765
−HK$3,609/mo
Today · 4.125%
HK$121,374
baseline
▲ 0.50% · 4.625%
HK$128,760
+HK$7,386/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,748/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,060
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,468
−HK$3,457/mo
Today · 4.125%
HK$133,925
baseline
▲ 0.50% · 4.625%
HK$140,984
+HK$7,059/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,850/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,621 · Scale 2, in force from 26 Feb 2026)