LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,469
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,443
−HK$2,006/mo
Today · 4.125%
HK$67,449
baseline
▲ 0.50% · 4.625%
HK$71,553
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,898/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,608
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,502
−HK$1,921/mo
Today · 4.125%
HK$74,423
baseline
▲ 0.50% · 4.625%
HK$78,346
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,846/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,163
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,532
−HK$2,407/mo
Today · 4.125%
HK$80,939
baseline
▲ 0.50% · 4.625%
HK$85,863
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,878/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,730
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,002
−HK$2,306/mo
Today · 4.125%
HK$89,308
baseline
▲ 0.50% · 4.625%
HK$94,015
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,616/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,856
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,620
−HK$2,808/mo
Today · 4.125%
HK$94,428
baseline
▲ 0.50% · 4.625%
HK$100,174
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,856/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,852
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,503
−HK$2,689/mo
Today · 4.125%
HK$104,192
baseline
▲ 0.50% · 4.625%
HK$109,684
+HK$5,492/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,384/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,244
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,797
−HK$3,611/mo
Today · 4.125%
HK$121,408
baseline
▲ 0.50% · 4.625%
HK$128,795
+HK$7,387/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,816/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,095
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,504
−HK$3,458/mo
Today · 4.125%
HK$133,962
baseline
▲ 0.50% · 4.625%
HK$141,023
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,924/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,947 · Scale 2, in force from 26 Feb 2026)