LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,537
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,513
−HK$2,008/mo
Today · 4.125%
HK$67,521
baseline
▲ 0.50% · 4.625%
HK$71,630
+HK$4,109/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,042/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,684
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,580
−HK$1,923/mo
Today · 4.125%
HK$74,503
baseline
▲ 0.50% · 4.625%
HK$78,430
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,006/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,244
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,616
−HK$2,410/mo
Today · 4.125%
HK$81,026
baseline
▲ 0.50% · 4.625%
HK$85,956
+HK$4,930/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,052/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,821
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,096
−HK$2,308/mo
Today · 4.125%
HK$89,404
baseline
▲ 0.50% · 4.625%
HK$94,116
+HK$4,712/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,808/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,952
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,719
−HK$2,811/mo
Today · 4.125%
HK$94,530
baseline
▲ 0.50% · 4.625%
HK$100,282
+HK$5,752/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$189,060/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,958
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,612
−HK$2,692/mo
Today · 4.125%
HK$104,304
baseline
▲ 0.50% · 4.625%
HK$109,802
+HK$5,498/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,608/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,367
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,924
−HK$3,614/mo
Today · 4.125%
HK$121,538
baseline
▲ 0.50% · 4.625%
HK$128,934
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,076/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,232
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,644
−HK$3,462/mo
Today · 4.125%
HK$134,106
baseline
▲ 0.50% · 4.625%
HK$141,175
+HK$7,069/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,212/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,220 · Scale 2, in force from 26 Feb 2026)