LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,544
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,520
−HK$2,009/mo
Today · 4.125%
HK$67,529
baseline
▲ 0.50% · 4.625%
HK$71,637
+HK$4,108/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,058/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,692
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,588
−HK$1,923/mo
Today · 4.125%
HK$74,511
baseline
▲ 0.50% · 4.625%
HK$78,439
+HK$3,928/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,022/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,253
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,624
−HK$2,410/mo
Today · 4.125%
HK$81,034
baseline
▲ 0.50% · 4.625%
HK$85,965
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,068/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,830
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,105
−HK$2,308/mo
Today · 4.125%
HK$89,413
baseline
▲ 0.50% · 4.625%
HK$94,126
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,826/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,961
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,728
−HK$2,812/mo
Today · 4.125%
HK$94,540
baseline
▲ 0.50% · 4.625%
HK$100,292
+HK$5,752/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,080/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,969
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,623
−HK$2,692/mo
Today · 4.125%
HK$104,315
baseline
▲ 0.50% · 4.625%
HK$109,814
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,630/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,379
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,937
−HK$3,614/mo
Today · 4.125%
HK$121,551
baseline
▲ 0.50% · 4.625%
HK$128,947
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,102/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,245
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,658
−HK$3,462/mo
Today · 4.125%
HK$134,120
baseline
▲ 0.50% · 4.625%
HK$141,190
+HK$7,070/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,240/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,345 · Scale 2, in force from 26 Feb 2026)