LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,459
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$2,005/mo
Today · 4.125%
HK$67,438
baseline
▲ 0.50% · 4.625%
HK$71,542
+HK$4,104/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,876/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,597
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,491
−HK$1,920/mo
Today · 4.125%
HK$74,411
baseline
▲ 0.50% · 4.625%
HK$78,334
+HK$3,923/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,822/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,151
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,519
−HK$2,407/mo
Today · 4.125%
HK$80,926
baseline
▲ 0.50% · 4.625%
HK$85,850
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,852/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,717
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,989
−HK$2,305/mo
Today · 4.125%
HK$89,294
baseline
▲ 0.50% · 4.625%
HK$94,001
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,588/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,842
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,606
−HK$2,808/mo
Today · 4.125%
HK$94,414
baseline
▲ 0.50% · 4.625%
HK$100,158
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,828/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,836
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,487
−HK$2,689/mo
Today · 4.125%
HK$104,176
baseline
▲ 0.50% · 4.625%
HK$109,667
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,352/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,226
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,779
−HK$3,610/mo
Today · 4.125%
HK$121,389
baseline
▲ 0.50% · 4.625%
HK$128,775
+HK$7,386/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,778/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,075
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,483
−HK$3,458/mo
Today · 4.125%
HK$133,941
baseline
▲ 0.50% · 4.625%
HK$141,001
+HK$7,060/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,882/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,762 · Scale 2, in force from 26 Feb 2026)