LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,541
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,518
−HK$2,008/mo
Today · 4.125%
HK$67,526
baseline
▲ 0.50% · 4.625%
HK$71,635
+HK$4,109/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,052/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,689
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,585
−HK$1,923/mo
Today · 4.125%
HK$74,508
baseline
▲ 0.50% · 4.625%
HK$78,435
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,016/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,249
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,621
−HK$2,410/mo
Today · 4.125%
HK$81,031
baseline
▲ 0.50% · 4.625%
HK$85,961
+HK$4,930/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,062/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,827
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,102
−HK$2,308/mo
Today · 4.125%
HK$89,410
baseline
▲ 0.50% · 4.625%
HK$94,123
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,820/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,958
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,725
−HK$2,811/mo
Today · 4.125%
HK$94,536
baseline
▲ 0.50% · 4.625%
HK$100,288
+HK$5,752/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,072/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,964
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,619
−HK$2,692/mo
Today · 4.125%
HK$104,311
baseline
▲ 0.50% · 4.625%
HK$109,810
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,622/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,374
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,932
−HK$3,614/mo
Today · 4.125%
HK$121,546
baseline
▲ 0.50% · 4.625%
HK$128,942
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,092/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,240
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,653
−HK$3,461/mo
Today · 4.125%
HK$134,114
baseline
▲ 0.50% · 4.625%
HK$141,184
+HK$7,070/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,228/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,297 · Scale 2, in force from 26 Feb 2026)