LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,490
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,465
−HK$2,007/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,577
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,944/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,632
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,526
−HK$1,922/mo
Today · 4.125%
HK$74,448
baseline
▲ 0.50% · 4.625%
HK$78,372
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,896/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,188
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,558
−HK$2,408/mo
Today · 4.125%
HK$80,966
baseline
▲ 0.50% · 4.625%
HK$85,892
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,932/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,759
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,032
−HK$2,306/mo
Today · 4.125%
HK$89,338
baseline
▲ 0.50% · 4.625%
HK$94,047
+HK$4,709/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,676/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,886
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,651
−HK$2,809/mo
Today · 4.125%
HK$94,460
baseline
▲ 0.50% · 4.625%
HK$100,208
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,920/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,885
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,537
−HK$2,690/mo
Today · 4.125%
HK$104,227
baseline
▲ 0.50% · 4.625%
HK$109,721
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,454/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,282
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,837
−HK$3,612/mo
Today · 4.125%
HK$121,449
baseline
▲ 0.50% · 4.625%
HK$128,839
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,898/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,138
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,548
−HK$3,459/mo
Today · 4.125%
HK$134,007
baseline
▲ 0.50% · 4.625%
HK$141,070
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,014/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,346 · Scale 2, in force from 26 Feb 2026)