LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,456
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,430
−HK$2,005/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$71,539
+HK$4,104/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,594
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,488
−HK$1,920/mo
Today · 4.125%
HK$74,408
baseline
▲ 0.50% · 4.625%
HK$78,331
+HK$3,923/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,816/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,147
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,516
−HK$2,407/mo
Today · 4.125%
HK$80,923
baseline
▲ 0.50% · 4.625%
HK$85,847
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,846/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,713
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,985
−HK$2,305/mo
Today · 4.125%
HK$89,290
baseline
▲ 0.50% · 4.625%
HK$93,997
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,580/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,839
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,602
−HK$2,808/mo
Today · 4.125%
HK$94,410
baseline
▲ 0.50% · 4.625%
HK$100,154
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,820/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,832
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,483
−HK$2,689/mo
Today · 4.125%
HK$104,172
baseline
▲ 0.50% · 4.625%
HK$109,663
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,344/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,221
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,774
−HK$3,610/mo
Today · 4.125%
HK$121,384
baseline
▲ 0.50% · 4.625%
HK$128,770
+HK$7,386/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,768/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,070
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,478
−HK$3,457/mo
Today · 4.125%
HK$133,935
baseline
▲ 0.50% · 4.625%
HK$140,995
+HK$7,060/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,870/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,713 · Scale 2, in force from 26 Feb 2026)