LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,529
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,505
−HK$2,008/mo
Today · 4.125%
HK$67,513
baseline
▲ 0.50% · 4.625%
HK$71,621
+HK$4,108/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,026/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,675
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,571
−HK$1,922/mo
Today · 4.125%
HK$74,493
baseline
▲ 0.50% · 4.625%
HK$78,420
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,986/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,234
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,606
−HK$2,409/mo
Today · 4.125%
HK$81,015
baseline
▲ 0.50% · 4.625%
HK$85,945
+HK$4,930/mo
Deposit HK$11.14M · loan HK$16.72M · min. income ≈ HK$162,030/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,810
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,085
−HK$2,307/mo
Today · 4.125%
HK$89,392
baseline
▲ 0.50% · 4.625%
HK$94,104
+HK$4,712/mo
Deposit HK$11.14M · loan HK$16.72M · min. income ≈ HK$178,784/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,940
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,707
−HK$2,811/mo
Today · 4.125%
HK$94,518
baseline
▲ 0.50% · 4.625%
HK$100,269
+HK$5,751/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$189,036/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,945
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,599
−HK$2,692/mo
Today · 4.125%
HK$104,291
baseline
▲ 0.50% · 4.625%
HK$109,788
+HK$5,497/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,582/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,352
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,909
−HK$3,614/mo
Today · 4.125%
HK$121,523
baseline
▲ 0.50% · 4.625%
HK$128,917
+HK$7,394/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$243,046/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,215
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,627
−HK$3,461/mo
Today · 4.125%
HK$134,088
baseline
▲ 0.50% · 4.625%
HK$141,156
+HK$7,068/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,176/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,065 · Scale 2, in force from 26 Feb 2026)