LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,587
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,565
−HK$2,010/mo
Today · 4.125%
HK$67,575
baseline
▲ 0.50% · 4.625%
HK$71,686
+HK$4,111/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,150/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,740
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,637
−HK$1,925/mo
Today · 4.125%
HK$74,562
baseline
▲ 0.50% · 4.625%
HK$78,492
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,124/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,304
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,678
−HK$2,411/mo
Today · 4.125%
HK$81,089
baseline
▲ 0.50% · 4.625%
HK$86,024
+HK$4,935/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,178/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,888
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,165
−HK$2,309/mo
Today · 4.125%
HK$89,474
baseline
▲ 0.50% · 4.625%
HK$94,191
+HK$4,717/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,948/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,022
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,791
−HK$2,813/mo
Today · 4.125%
HK$94,604
baseline
▲ 0.50% · 4.625%
HK$100,361
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,208/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,036
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,692
−HK$2,695/mo
Today · 4.125%
HK$104,387
baseline
▲ 0.50% · 4.625%
HK$109,889
+HK$5,502/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,774/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,457
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,017
−HK$3,617/mo
Today · 4.125%
HK$121,634
baseline
▲ 0.50% · 4.625%
HK$129,035
+HK$7,401/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,268/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,332
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,747
−HK$3,464/mo
Today · 4.125%
HK$134,211
baseline
▲ 0.50% · 4.625%
HK$141,286
+HK$7,075/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,422/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,152 · Scale 2, in force from 26 Feb 2026)