LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,491
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,466
−HK$2,006/mo
Today · 4.125%
HK$67,472
baseline
▲ 0.50% · 4.625%
HK$71,578
+HK$4,106/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$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,633
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,527
−HK$1,922/mo
Today · 4.125%
HK$74,449
baseline
▲ 0.50% · 4.625%
HK$78,373
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,898/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,189
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,559
−HK$2,408/mo
Today · 4.125%
HK$80,967
baseline
▲ 0.50% · 4.625%
HK$85,893
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,934/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,760
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,033
−HK$2,306/mo
Today · 4.125%
HK$89,339
baseline
▲ 0.50% · 4.625%
HK$94,048
+HK$4,709/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,678/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,887
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,652
−HK$2,809/mo
Today · 4.125%
HK$94,461
baseline
▲ 0.50% · 4.625%
HK$100,209
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,922/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,886
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,538
−HK$2,691/mo
Today · 4.125%
HK$104,229
baseline
▲ 0.50% · 4.625%
HK$109,723
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,458/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,284
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,838
−HK$3,612/mo
Today · 4.125%
HK$121,450
baseline
▲ 0.50% · 4.625%
HK$128,840
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,900/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,139
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,549
−HK$3,459/mo
Today · 4.125%
HK$134,008
baseline
▲ 0.50% · 4.625%
HK$141,072
+HK$7,064/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,016/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,359 · Scale 2, in force from 26 Feb 2026)