LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,539
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,515
−HK$2,009/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,632
+HK$4,108/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,048/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,687
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,582
−HK$1,924/mo
Today · 4.125%
HK$74,506
baseline
▲ 0.50% · 4.625%
HK$78,433
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,012/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,247
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,619
−HK$2,409/mo
Today · 4.125%
HK$81,028
baseline
▲ 0.50% · 4.625%
HK$85,959
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,056/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,824
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,099
−HK$2,308/mo
Today · 4.125%
HK$89,407
baseline
▲ 0.50% · 4.625%
HK$94,119
+HK$4,712/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,814/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,955
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,722
−HK$2,811/mo
Today · 4.125%
HK$94,533
baseline
▲ 0.50% · 4.625%
HK$100,285
+HK$5,752/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,066/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,961
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,615
−HK$2,693/mo
Today · 4.125%
HK$104,308
baseline
▲ 0.50% · 4.625%
HK$109,806
+HK$5,498/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,616/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,370
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,928
−HK$3,614/mo
Today · 4.125%
HK$121,542
baseline
▲ 0.50% · 4.625%
HK$128,938
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,084/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,236
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,648
−HK$3,462/mo
Today · 4.125%
HK$134,110
baseline
▲ 0.50% · 4.625%
HK$141,179
+HK$7,069/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,220/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,258 · Scale 2, in force from 26 Feb 2026)