LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,504
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,480
−HK$2,006/mo
Today · 4.125%
HK$67,486
baseline
▲ 0.50% · 4.625%
HK$71,593
+HK$4,107/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,972/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,648
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,543
−HK$1,922/mo
Today · 4.125%
HK$74,465
baseline
▲ 0.50% · 4.625%
HK$78,390
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,930/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,205
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,575
−HK$2,409/mo
Today · 4.125%
HK$80,984
baseline
▲ 0.50% · 4.625%
HK$85,911
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,968/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,777
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,051
−HK$2,307/mo
Today · 4.125%
HK$89,358
baseline
▲ 0.50% · 4.625%
HK$94,068
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,716/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,906
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,671
−HK$2,810/mo
Today · 4.125%
HK$94,481
baseline
▲ 0.50% · 4.625%
HK$100,230
+HK$5,749/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,962/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,907
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,560
−HK$2,691/mo
Today · 4.125%
HK$104,251
baseline
▲ 0.50% · 4.625%
HK$109,746
+HK$5,495/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,502/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,308
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,863
−HK$3,613/mo
Today · 4.125%
HK$121,476
baseline
▲ 0.50% · 4.625%
HK$128,867
+HK$7,391/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,952/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,166
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,577
−HK$3,459/mo
Today · 4.125%
HK$134,036
baseline
▲ 0.50% · 4.625%
HK$141,102
+HK$7,066/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,072/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,608 · Scale 2, in force from 26 Feb 2026)