LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,551
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,528
−HK$2,008/mo
Today · 4.125%
HK$67,536
baseline
▲ 0.50% · 4.625%
HK$71,646
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,072/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,700
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,596
−HK$1,924/mo
Today · 4.125%
HK$74,520
baseline
▲ 0.50% · 4.625%
HK$78,448
+HK$3,928/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,040/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,262
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,634
−HK$2,410/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,975
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,840
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,308/mo
Today · 4.125%
HK$89,424
baseline
▲ 0.50% · 4.625%
HK$94,137
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,848/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,972
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,739
−HK$2,812/mo
Today · 4.125%
HK$94,551
baseline
▲ 0.50% · 4.625%
HK$100,304
+HK$5,753/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,102/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,980
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,635
−HK$2,693/mo
Today · 4.125%
HK$104,328
baseline
▲ 0.50% · 4.625%
HK$109,827
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,656/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,392
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,951
−HK$3,615/mo
Today · 4.125%
HK$121,566
baseline
▲ 0.50% · 4.625%
HK$128,963
+HK$7,397/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,132/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,260
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,673
−HK$3,463/mo
Today · 4.125%
HK$134,136
baseline
▲ 0.50% · 4.625%
HK$141,206
+HK$7,070/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,272/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,485 · Scale 2, in force from 26 Feb 2026)