LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,457
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,430
−HK$2,006/mo
Today · 4.125%
HK$67,436
baseline
▲ 0.50% · 4.625%
HK$71,539
+HK$4,103/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,872/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,595
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,488
−HK$1,921/mo
Today · 4.125%
HK$74,409
baseline
▲ 0.50% · 4.625%
HK$78,331
+HK$3,922/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,818/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,148
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,517
−HK$2,406/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$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,714
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,986
−HK$2,305/mo
Today · 4.125%
HK$89,291
baseline
▲ 0.50% · 4.625%
HK$93,997
+HK$4,706/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,582/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,839
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,603
−HK$2,807/mo
Today · 4.125%
HK$94,410
baseline
▲ 0.50% · 4.625%
HK$100,155
+HK$5,745/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$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,833
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,483
−HK$2,689/mo
Today · 4.125%
HK$104,172
baseline
▲ 0.50% · 4.625%
HK$109,664
+HK$5,492/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$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,222
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,775
−HK$3,610/mo
Today · 4.125%
HK$121,385
baseline
▲ 0.50% · 4.625%
HK$128,771
+HK$7,386/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,770/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,071
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,479
−HK$3,457/mo
Today · 4.125%
HK$133,936
baseline
▲ 0.50% · 4.625%
HK$140,996
+HK$7,060/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,872/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,721 · Scale 2, in force from 26 Feb 2026)