LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,481
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,455
−HK$2,007/mo
Today · 4.125%
HK$67,462
baseline
▲ 0.50% · 4.625%
HK$71,567
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,924/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,622
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,516
−HK$1,921/mo
Today · 4.125%
HK$74,437
baseline
▲ 0.50% · 4.625%
HK$78,361
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,874/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,177
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,547
−HK$2,407/mo
Today · 4.125%
HK$80,954
baseline
▲ 0.50% · 4.625%
HK$85,880
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$161,908/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,746
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,019
−HK$2,306/mo
Today · 4.125%
HK$89,325
baseline
▲ 0.50% · 4.625%
HK$94,033
+HK$4,708/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$178,650/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,873
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,638
−HK$2,808/mo
Today · 4.125%
HK$94,446
baseline
▲ 0.50% · 4.625%
HK$100,193
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,892/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,871
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,522
−HK$2,690/mo
Today · 4.125%
HK$104,212
baseline
▲ 0.50% · 4.625%
HK$109,705
+HK$5,493/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,424/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,266
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$117,820
−HK$3,611/mo
Today · 4.125%
HK$121,431
baseline
▲ 0.50% · 4.625%
HK$128,820
+HK$7,389/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,862/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,119
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,529
−HK$3,458/mo
Today · 4.125%
HK$133,987
baseline
▲ 0.50% · 4.625%
HK$141,050
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$267,974/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,173 · Scale 2, in force from 26 Feb 2026)