LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,460
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,434
−HK$2,006/mo
Today · 4.125%
HK$67,440
baseline
▲ 0.50% · 4.625%
HK$71,543
+HK$4,103/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,880/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,599
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,492
−HK$1,921/mo
Today · 4.125%
HK$74,413
baseline
▲ 0.50% · 4.625%
HK$78,335
+HK$3,922/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,826/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,152
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,521
−HK$2,406/mo
Today · 4.125%
HK$80,927
baseline
▲ 0.50% · 4.625%
HK$85,852
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,854/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,718
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,990
−HK$2,305/mo
Today · 4.125%
HK$89,295
baseline
▲ 0.50% · 4.625%
HK$94,002
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,590/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,844
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,608
−HK$2,807/mo
Today · 4.125%
HK$94,415
baseline
▲ 0.50% · 4.625%
HK$100,160
+HK$5,745/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,830/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,838
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,489
−HK$2,689/mo
Today · 4.125%
HK$104,178
baseline
▲ 0.50% · 4.625%
HK$109,669
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,356/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,228
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,781
−HK$3,610/mo
Today · 4.125%
HK$121,391
baseline
▲ 0.50% · 4.625%
HK$128,778
+HK$7,387/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,782/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,078
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,486
−HK$3,457/mo
Today · 4.125%
HK$133,943
baseline
▲ 0.50% · 4.625%
HK$141,004
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,886/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,785 · Scale 2, in force from 26 Feb 2026)