LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,553
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,530
−HK$2,009/mo
Today · 4.125%
HK$67,539
baseline
▲ 0.50% · 4.625%
HK$71,648
+HK$4,109/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,078/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,703
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,599
−HK$1,923/mo
Today · 4.125%
HK$74,522
baseline
▲ 0.50% · 4.625%
HK$78,451
+HK$3,929/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,044/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,264
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,636
−HK$2,411/mo
Today · 4.125%
HK$81,047
baseline
▲ 0.50% · 4.625%
HK$85,978
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,094/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,843
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,118
−HK$2,309/mo
Today · 4.125%
HK$89,427
baseline
▲ 0.50% · 4.625%
HK$94,141
+HK$4,714/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,854/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,975
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,742
−HK$2,812/mo
Today · 4.125%
HK$94,554
baseline
▲ 0.50% · 4.625%
HK$100,308
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,108/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,984
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,638
−HK$2,693/mo
Today · 4.125%
HK$104,331
baseline
▲ 0.50% · 4.625%
HK$109,831
+HK$5,500/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,662/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,396
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,954
−HK$3,616/mo
Today · 4.125%
HK$121,570
baseline
▲ 0.50% · 4.625%
HK$128,967
+HK$7,397/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,140/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,265
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,678
−HK$3,462/mo
Today · 4.125%
HK$134,140
baseline
▲ 0.50% · 4.625%
HK$141,211
+HK$7,071/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,280/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,525 · Scale 2, in force from 26 Feb 2026)