LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,552
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,528
−HK$2,009/mo
Today · 4.125%
HK$67,537
baseline
▲ 0.50% · 4.625%
HK$71,646
+HK$4,109/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,074/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,700
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,597
−HK$1,923/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$1,184,490 · 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$1,184,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,841
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,308/mo
Today · 4.125%
HK$89,424
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$4,714/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$1,184,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,972
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,740
−HK$2,811/mo
Today · 4.125%
HK$94,551
baseline
▲ 0.50% · 4.625%
HK$100,305
+HK$5,754/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$1,184,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,981
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,635
−HK$2,693/mo
Today · 4.125%
HK$104,328
baseline
▲ 0.50% · 4.625%
HK$109,828
+HK$5,500/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$1,184,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,393
−HK$7,173/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$1,184,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,261
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,674
−HK$3,462/mo
Today · 4.125%
HK$134,136
baseline
▲ 0.50% · 4.625%
HK$141,207
+HK$7,071/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$1,184,490 · Scale 2, in force from 26 Feb 2026)