LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,473
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$2,006/mo
Today · 4.125%
HK$67,454
baseline
▲ 0.50% · 4.625%
HK$71,558
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,908/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,614
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,507
−HK$1,922/mo
Today · 4.125%
HK$74,429
baseline
▲ 0.50% · 4.625%
HK$78,352
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,858/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,168
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,537
−HK$2,408/mo
Today · 4.125%
HK$80,945
baseline
▲ 0.50% · 4.625%
HK$85,870
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,890/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,736
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,009
−HK$2,305/mo
Today · 4.125%
HK$89,314
baseline
▲ 0.50% · 4.625%
HK$94,022
+HK$4,708/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,628/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,863
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,627
−HK$2,808/mo
Today · 4.125%
HK$94,435
baseline
▲ 0.50% · 4.625%
HK$100,181
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,870/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,859
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,510
−HK$2,690/mo
Today · 4.125%
HK$104,200
baseline
▲ 0.50% · 4.625%
HK$109,693
+HK$5,493/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,400/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,252
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$117,806
−HK$3,611/mo
Today · 4.125%
HK$121,417
baseline
▲ 0.50% · 4.625%
HK$128,805
+HK$7,388/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,834/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,104
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,513
−HK$3,459/mo
Today · 4.125%
HK$133,972
baseline
▲ 0.50% · 4.625%
HK$141,033
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,944/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,035 · Scale 2, in force from 26 Feb 2026)