LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,509
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,484
−HK$2,007/mo
Today · 4.125%
HK$67,491
baseline
▲ 0.50% · 4.625%
HK$71,598
+HK$4,107/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,982/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,653
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,547
−HK$1,923/mo
Today · 4.125%
HK$74,470
baseline
▲ 0.50% · 4.625%
HK$78,395
+HK$3,925/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,940/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,210
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,581
−HK$2,408/mo
Today · 4.125%
HK$80,989
baseline
▲ 0.50% · 4.625%
HK$85,917
+HK$4,928/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,978/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,783
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,057
−HK$2,307/mo
Today · 4.125%
HK$89,364
baseline
▲ 0.50% · 4.625%
HK$94,074
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,728/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,912
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,678
−HK$2,809/mo
Today · 4.125%
HK$94,487
baseline
▲ 0.50% · 4.625%
HK$100,237
+HK$5,750/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,974/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,914
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,566
−HK$2,692/mo
Today · 4.125%
HK$104,258
baseline
▲ 0.50% · 4.625%
HK$109,753
+HK$5,495/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,516/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,315
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,871
−HK$3,613/mo
Today · 4.125%
HK$121,484
baseline
▲ 0.50% · 4.625%
HK$128,876
+HK$7,392/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,968/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,175
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,585
−HK$3,461/mo
Today · 4.125%
HK$134,046
baseline
▲ 0.50% · 4.625%
HK$141,111
+HK$7,065/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,092/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,688 · Scale 2, in force from 26 Feb 2026)