LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,520
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,496
−HK$2,008/mo
Today · 4.125%
HK$67,504
baseline
▲ 0.50% · 4.625%
HK$71,611
+HK$4,107/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,008/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,666
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,561
−HK$1,923/mo
Today · 4.125%
HK$74,484
baseline
▲ 0.50% · 4.625%
HK$78,410
+HK$3,926/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,968/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,225
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,596
−HK$2,409/mo
Today · 4.125%
HK$81,005
baseline
▲ 0.50% · 4.625%
HK$85,933
+HK$4,928/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$162,010/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,799
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,073
−HK$2,308/mo
Today · 4.125%
HK$89,381
baseline
▲ 0.50% · 4.625%
HK$94,092
+HK$4,711/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,762/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,929
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,695
−HK$2,810/mo
Today · 4.125%
HK$94,505
baseline
▲ 0.50% · 4.625%
HK$100,256
+HK$5,751/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$189,010/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,932
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,586
−HK$2,691/mo
Today · 4.125%
HK$104,277
baseline
▲ 0.50% · 4.625%
HK$109,774
+HK$5,497/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,554/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,337
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,893
−HK$3,614/mo
Today · 4.125%
HK$121,507
baseline
▲ 0.50% · 4.625%
HK$128,900
+HK$7,393/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$243,014/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,199
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,610
−HK$3,461/mo
Today · 4.125%
HK$134,071
baseline
▲ 0.50% · 4.625%
HK$141,138
+HK$7,067/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,142/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,912 · Scale 2, in force from 26 Feb 2026)