LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,495
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,470
−HK$2,007/mo
Today · 4.125%
HK$67,477
baseline
▲ 0.50% · 4.625%
HK$71,583
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,954/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,638
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,532
−HK$1,922/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,379
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,195
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,565
−HK$2,408/mo
Today · 4.125%
HK$80,973
baseline
▲ 0.50% · 4.625%
HK$85,900
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,946/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,766
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,039
−HK$2,306/mo
Today · 4.125%
HK$89,345
baseline
▲ 0.50% · 4.625%
HK$94,055
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,690/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,894
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,659
−HK$2,809/mo
Today · 4.125%
HK$94,468
baseline
▲ 0.50% · 4.625%
HK$100,216
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,936/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,893
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,545
−HK$2,691/mo
Today · 4.125%
HK$104,236
baseline
▲ 0.50% · 4.625%
HK$109,731
+HK$5,495/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,472/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,292
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,847
−HK$3,612/mo
Today · 4.125%
HK$121,459
baseline
▲ 0.50% · 4.625%
HK$128,849
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,918/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,148
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,558
−HK$3,460/mo
Today · 4.125%
HK$134,018
baseline
▲ 0.50% · 4.625%
HK$141,082
+HK$7,064/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,036/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,444 · Scale 2, in force from 26 Feb 2026)