LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,475
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,449
−HK$2,006/mo
Today · 4.125%
HK$67,455
baseline
▲ 0.50% · 4.625%
HK$71,559
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,910/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,615
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,509
−HK$1,921/mo
Today · 4.125%
HK$74,430
baseline
▲ 0.50% · 4.625%
HK$78,353
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,860/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,169
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,539
−HK$2,407/mo
Today · 4.125%
HK$80,946
baseline
▲ 0.50% · 4.625%
HK$85,871
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,892/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,738
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,010
−HK$2,306/mo
Today · 4.125%
HK$89,316
baseline
▲ 0.50% · 4.625%
HK$94,024
+HK$4,708/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,632/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,864
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,629
−HK$2,808/mo
Today · 4.125%
HK$94,437
baseline
▲ 0.50% · 4.625%
HK$100,183
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,874/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,861
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,512
−HK$2,690/mo
Today · 4.125%
HK$104,202
baseline
▲ 0.50% · 4.625%
HK$109,694
+HK$5,492/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,404/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,254
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$117,808
−HK$3,611/mo
Today · 4.125%
HK$121,419
baseline
▲ 0.50% · 4.625%
HK$128,807
+HK$7,388/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,838/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,107
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,516
−HK$3,458/mo
Today · 4.125%
HK$133,974
baseline
▲ 0.50% · 4.625%
HK$141,036
+HK$7,062/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,948/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,055 · Scale 2, in force from 26 Feb 2026)