LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,555
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,532
−HK$2,008/mo
Today · 4.125%
HK$67,540
baseline
▲ 0.50% · 4.625%
HK$71,650
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,080/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,704
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,600
−HK$1,924/mo
Today · 4.125%
HK$74,524
baseline
▲ 0.50% · 4.625%
HK$78,452
+HK$3,928/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,048/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,266
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,638
−HK$2,410/mo
Today · 4.125%
HK$81,048
baseline
▲ 0.50% · 4.625%
HK$85,980
+HK$4,932/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,096/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,845
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,120
−HK$2,309/mo
Today · 4.125%
HK$89,429
baseline
▲ 0.50% · 4.625%
HK$94,142
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,858/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,976
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,744
−HK$2,812/mo
Today · 4.125%
HK$94,556
baseline
▲ 0.50% · 4.625%
HK$100,310
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,112/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,985
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,640
−HK$2,693/mo
Today · 4.125%
HK$104,333
baseline
▲ 0.50% · 4.625%
HK$109,833
+HK$5,500/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,666/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,398
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,957
−HK$3,615/mo
Today · 4.125%
HK$121,572
baseline
▲ 0.50% · 4.625%
HK$128,969
+HK$7,397/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,144/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,267
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,680
−HK$3,463/mo
Today · 4.125%
HK$134,143
baseline
▲ 0.50% · 4.625%
HK$141,214
+HK$7,071/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,286/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,547 · Scale 2, in force from 26 Feb 2026)