LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,465
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,439
−HK$2,006/mo
Today · 4.125%
HK$67,445
baseline
▲ 0.50% · 4.625%
HK$71,549
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,890/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,604
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,498
−HK$1,921/mo
Today · 4.125%
HK$74,419
baseline
▲ 0.50% · 4.625%
HK$78,342
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,838/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,158
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,527
−HK$2,407/mo
Today · 4.125%
HK$80,934
baseline
▲ 0.50% · 4.625%
HK$85,859
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,868/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,725
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$86,998
−HK$2,305/mo
Today · 4.125%
HK$89,303
baseline
▲ 0.50% · 4.625%
HK$94,010
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,606/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,851
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,615
−HK$2,808/mo
Today · 4.125%
HK$94,423
baseline
▲ 0.50% · 4.625%
HK$100,169
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,846/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,846
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,497
−HK$2,690/mo
Today · 4.125%
HK$104,187
baseline
▲ 0.50% · 4.625%
HK$109,678
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,374/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,238
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,791
−HK$3,610/mo
Today · 4.125%
HK$121,401
baseline
▲ 0.50% · 4.625%
HK$128,788
+HK$7,387/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,802/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,088
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,497
−HK$3,457/mo
Today · 4.125%
HK$133,954
baseline
▲ 0.50% · 4.625%
HK$141,015
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,908/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,882 · Scale 2, in force from 26 Feb 2026)