LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,579
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,556
−HK$2,010/mo
Today · 4.125%
HK$67,566
baseline
▲ 0.50% · 4.625%
HK$71,677
+HK$4,111/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,132/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,731
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,628
−HK$1,924/mo
Today · 4.125%
HK$74,552
baseline
▲ 0.50% · 4.625%
HK$78,482
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,104/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,294
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,668
−HK$2,411/mo
Today · 4.125%
HK$81,079
baseline
▲ 0.50% · 4.625%
HK$86,012
+HK$4,933/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,158/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,877
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,153
−HK$2,309/mo
Today · 4.125%
HK$89,462
baseline
▲ 0.50% · 4.625%
HK$94,178
+HK$4,716/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,924/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,010
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,779
−HK$2,813/mo
Today · 4.125%
HK$94,592
baseline
▲ 0.50% · 4.625%
HK$100,347
+HK$5,755/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$189,184/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,023
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,679
−HK$2,694/mo
Today · 4.125%
HK$104,373
baseline
▲ 0.50% · 4.625%
HK$109,874
+HK$5,501/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$208,746/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,441
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,001
−HK$3,617/mo
Today · 4.125%
HK$121,618
baseline
▲ 0.50% · 4.625%
HK$129,018
+HK$7,400/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,236/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,315
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$130,730
−HK$3,463/mo
Today · 4.125%
HK$134,193
baseline
▲ 0.50% · 4.625%
HK$141,267
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,386/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,995 · Scale 2, in force from 26 Feb 2026)