LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,458
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,431
−HK$2,006/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$71,540
+HK$4,103/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,596
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,489
−HK$1,921/mo
Today · 4.125%
HK$74,410
baseline
▲ 0.50% · 4.625%
HK$78,332
+HK$3,922/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,820/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,149
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,518
−HK$2,406/mo
Today · 4.125%
HK$80,924
baseline
▲ 0.50% · 4.625%
HK$85,848
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,848/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,715
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,987
−HK$2,305/mo
Today · 4.125%
HK$89,292
baseline
▲ 0.50% · 4.625%
HK$93,999
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,584/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,841
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,604
−HK$2,808/mo
Today · 4.125%
HK$94,412
baseline
▲ 0.50% · 4.625%
HK$100,156
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,824/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,834
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,485
−HK$2,689/mo
Today · 4.125%
HK$104,174
baseline
▲ 0.50% · 4.625%
HK$109,665
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,348/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,224
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,777
−HK$3,610/mo
Today · 4.125%
HK$121,387
baseline
▲ 0.50% · 4.625%
HK$128,773
+HK$7,386/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,774/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,073
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,481
−HK$3,457/mo
Today · 4.125%
HK$133,938
baseline
▲ 0.50% · 4.625%
HK$140,998
+HK$7,060/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,876/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,739 · Scale 2, in force from 26 Feb 2026)