LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,539
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$2,008/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$4,109/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$1,184,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,687
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,583
−HK$1,923/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$1,184,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,247
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,619
−HK$2,410/mo
Today · 4.125%
HK$81,029
baseline
▲ 0.50% · 4.625%
HK$85,959
+HK$4,930/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,058/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,264 · 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$94,120
+HK$4,713/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$1,184,264 · 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$100,286
+HK$5,753/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$1,184,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,962
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,616
−HK$2,692/mo
Today · 4.125%
HK$104,308
baseline
▲ 0.50% · 4.625%
HK$109,807
+HK$5,499/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$1,184,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,371
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,929
−HK$3,614/mo
Today · 4.125%
HK$121,543
baseline
▲ 0.50% · 4.625%
HK$128,939
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,086/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,237
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,649
−HK$3,462/mo
Today · 4.125%
HK$134,111
baseline
▲ 0.50% · 4.625%
HK$141,180
+HK$7,069/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,222/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,264 · Scale 2, in force from 26 Feb 2026)