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$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,676
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,571
−HK$1,923/mo
Today · 4.125%
HK$74,494
baseline
▲ 0.50% · 4.625%
HK$78,421
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,988/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,235
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,606
−HK$2,410/mo
Today · 4.125%
HK$81,016
baseline
▲ 0.50% · 4.625%
HK$85,945
+HK$4,929/mo
Deposit HK$11.14M · loan HK$16.72M · min. income ≈ HK$162,032/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,811
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,085
−HK$2,308/mo
Today · 4.125%
HK$89,393
baseline
▲ 0.50% · 4.625%
HK$94,105
+HK$4,712/mo
Deposit HK$11.14M · loan HK$16.72M · min. income ≈ HK$178,786/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,941
−HK$5,577/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$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,946
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,600
−HK$2,692/mo
Today · 4.125%
HK$104,292
baseline
▲ 0.50% · 4.625%
HK$109,789
+HK$5,497/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,584/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,353
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,910
−HK$3,613/mo
Today · 4.125%
HK$121,523
baseline
▲ 0.50% · 4.625%
HK$128,918
+HK$7,395/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$1,184,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,216
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,628
−HK$3,461/mo
Today · 4.125%
HK$134,089
baseline
▲ 0.50% · 4.625%
HK$141,157
+HK$7,068/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,178/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,074 · Scale 2, in force from 26 Feb 2026)