LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,584
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,562
−HK$2,009/mo
Today · 4.125%
HK$67,571
baseline
▲ 0.50% · 4.625%
HK$71,683
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,142/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,737
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,634
−HK$1,924/mo
Today · 4.125%
HK$74,558
baseline
▲ 0.50% · 4.625%
HK$78,489
+HK$3,931/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,116/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,301
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,674
−HK$2,412/mo
Today · 4.125%
HK$81,086
baseline
▲ 0.50% · 4.625%
HK$86,020
+HK$4,934/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,172/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,884
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,161
−HK$2,309/mo
Today · 4.125%
HK$89,470
baseline
▲ 0.50% · 4.625%
HK$94,186
+HK$4,716/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,940/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,018
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,787
−HK$2,813/mo
Today · 4.125%
HK$94,600
baseline
▲ 0.50% · 4.625%
HK$100,356
+HK$5,756/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,200/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,031
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,687
−HK$2,695/mo
Today · 4.125%
HK$104,382
baseline
▲ 0.50% · 4.625%
HK$109,884
+HK$5,502/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,764/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,452
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,012
−HK$3,617/mo
Today · 4.125%
HK$121,629
baseline
▲ 0.50% · 4.625%
HK$129,029
+HK$7,400/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,258/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,326
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,741
−HK$3,464/mo
Today · 4.125%
HK$134,205
baseline
▲ 0.50% · 4.625%
HK$141,279
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,410/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,099 · Scale 2, in force from 26 Feb 2026)