LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,565
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,542
−HK$2,009/mo
Today · 4.125%
HK$67,551
baseline
▲ 0.50% · 4.625%
HK$71,661
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,102/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,715
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,612
−HK$1,924/mo
Today · 4.125%
HK$74,536
baseline
▲ 0.50% · 4.625%
HK$78,465
+HK$3,929/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,072/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,278
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,651
−HK$2,410/mo
Today · 4.125%
HK$81,061
baseline
▲ 0.50% · 4.625%
HK$85,994
+HK$4,933/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,122/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,858
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,134
−HK$2,309/mo
Today · 4.125%
HK$89,443
baseline
▲ 0.50% · 4.625%
HK$94,158
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,886/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,991
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,759
−HK$2,812/mo
Today · 4.125%
HK$94,571
baseline
▲ 0.50% · 4.625%
HK$100,326
+HK$5,755/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,142/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,001
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,657
−HK$2,693/mo
Today · 4.125%
HK$104,350
baseline
▲ 0.50% · 4.625%
HK$109,851
+HK$5,501/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,700/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,417
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,976
−HK$3,616/mo
Today · 4.125%
HK$121,592
baseline
▲ 0.50% · 4.625%
HK$128,990
+HK$7,398/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,184/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,288
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,701
−HK$3,463/mo
Today · 4.125%
HK$134,164
baseline
▲ 0.50% · 4.625%
HK$141,236
+HK$7,072/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,328/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,739 · Scale 2, in force from 26 Feb 2026)