LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,560
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,537
−HK$2,008/mo
Today · 4.125%
HK$67,545
baseline
▲ 0.50% · 4.625%
HK$71,655
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,090/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,709
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,606
−HK$1,924/mo
Today · 4.125%
HK$74,530
baseline
▲ 0.50% · 4.625%
HK$78,458
+HK$3,928/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,060/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,272
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,644
−HK$2,410/mo
Today · 4.125%
HK$81,054
baseline
▲ 0.50% · 4.625%
HK$85,986
+HK$4,932/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,108/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,851
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,127
−HK$2,309/mo
Today · 4.125%
HK$89,436
baseline
▲ 0.50% · 4.625%
HK$94,150
+HK$4,714/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,872/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,984
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,751
−HK$2,813/mo
Today · 4.125%
HK$94,564
baseline
▲ 0.50% · 4.625%
HK$100,318
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,128/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,993
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,648
−HK$2,694/mo
Today · 4.125%
HK$104,342
baseline
▲ 0.50% · 4.625%
HK$109,842
+HK$5,500/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,684/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,407
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,966
−HK$3,616/mo
Today · 4.125%
HK$121,582
baseline
▲ 0.50% · 4.625%
HK$128,980
+HK$7,398/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,164/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,277
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,691
−HK$3,462/mo
Today · 4.125%
HK$134,153
baseline
▲ 0.50% · 4.625%
HK$141,225
+HK$7,072/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,306/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,641 · Scale 2, in force from 26 Feb 2026)