LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,586
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,564
−HK$2,009/mo
Today · 4.125%
HK$67,573
baseline
▲ 0.50% · 4.625%
HK$71,685
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,146/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,738
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,636
−HK$1,924/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$78,490
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,303
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,676
−HK$2,412/mo
Today · 4.125%
HK$81,088
baseline
▲ 0.50% · 4.625%
HK$86,022
+HK$4,934/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,176/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,886
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,163
−HK$2,309/mo
Today · 4.125%
HK$89,472
baseline
▲ 0.50% · 4.625%
HK$94,188
+HK$4,716/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,944/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,020
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,789
−HK$2,813/mo
Today · 4.125%
HK$94,602
baseline
▲ 0.50% · 4.625%
HK$100,359
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,204/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,034
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,690
−HK$2,694/mo
Today · 4.125%
HK$104,384
baseline
▲ 0.50% · 4.625%
HK$109,887
+HK$5,503/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,768/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,454
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,014
−HK$3,618/mo
Today · 4.125%
HK$121,632
baseline
▲ 0.50% · 4.625%
HK$129,033
+HK$7,401/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,264/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,329
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,744
−HK$3,464/mo
Today · 4.125%
HK$134,208
baseline
▲ 0.50% · 4.625%
HK$141,283
+HK$7,075/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,416/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,127 · Scale 2, in force from 26 Feb 2026)