LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,486
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,461
−HK$2,006/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,572
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,522
−HK$1,921/mo
Today · 4.125%
HK$74,443
baseline
▲ 0.50% · 4.625%
HK$78,367
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,886/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,183
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,553
−HK$2,408/mo
Today · 4.125%
HK$80,961
baseline
▲ 0.50% · 4.625%
HK$85,887
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$161,922/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,753
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,026
−HK$2,306/mo
Today · 4.125%
HK$89,332
baseline
▲ 0.50% · 4.625%
HK$94,041
+HK$4,709/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$178,664/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,880
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,645
−HK$2,809/mo
Today · 4.125%
HK$94,454
baseline
▲ 0.50% · 4.625%
HK$100,201
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,908/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,879
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,530
−HK$2,691/mo
Today · 4.125%
HK$104,221
baseline
▲ 0.50% · 4.625%
HK$109,714
+HK$5,493/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,442/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,275
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,829
−HK$3,612/mo
Today · 4.125%
HK$121,441
baseline
▲ 0.50% · 4.625%
HK$128,830
+HK$7,389/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,882/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,130
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,539
−HK$3,459/mo
Today · 4.125%
HK$133,998
baseline
▲ 0.50% · 4.625%
HK$141,061
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$267,996/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,269 · Scale 2, in force from 26 Feb 2026)