LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,466
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,440
−HK$2,006/mo
Today · 4.125%
HK$67,446
baseline
▲ 0.50% · 4.625%
HK$71,550
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,892/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,605
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,499
−HK$1,921/mo
Today · 4.125%
HK$74,420
baseline
▲ 0.50% · 4.625%
HK$78,343
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,840/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,159
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,528
−HK$2,407/mo
Today · 4.125%
HK$80,935
baseline
▲ 0.50% · 4.625%
HK$85,860
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,870/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,726
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$86,999
−HK$2,305/mo
Today · 4.125%
HK$89,304
baseline
▲ 0.50% · 4.625%
HK$94,011
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,608/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,852
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,616
−HK$2,808/mo
Today · 4.125%
HK$94,424
baseline
▲ 0.50% · 4.625%
HK$100,170
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,848/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,847
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,498
−HK$2,690/mo
Today · 4.125%
HK$104,188
baseline
▲ 0.50% · 4.625%
HK$109,680
+HK$5,492/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,376/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,239
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,792
−HK$3,610/mo
Today · 4.125%
HK$121,402
baseline
▲ 0.50% · 4.625%
HK$128,789
+HK$7,387/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,804/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,089
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,498
−HK$3,458/mo
Today · 4.125%
HK$133,956
baseline
▲ 0.50% · 4.625%
HK$141,017
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,912/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,894 · Scale 2, in force from 26 Feb 2026)