LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,589
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,567
−HK$2,010/mo
Today · 4.125%
HK$67,577
baseline
▲ 0.50% · 4.625%
HK$71,689
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,154/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,742
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,639
−HK$1,925/mo
Today · 4.125%
HK$74,564
baseline
▲ 0.50% · 4.625%
HK$78,495
+HK$3,931/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,128/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,307
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,680
−HK$2,412/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$86,026
+HK$4,934/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,891
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,167
−HK$2,310/mo
Today · 4.125%
HK$89,477
baseline
▲ 0.50% · 4.625%
HK$94,194
+HK$4,717/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,954/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,025
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,794
−HK$2,813/mo
Today · 4.125%
HK$94,607
baseline
▲ 0.50% · 4.625%
HK$100,364
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,214/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,039
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,695
−HK$2,695/mo
Today · 4.125%
HK$104,390
baseline
▲ 0.50% · 4.625%
HK$109,892
+HK$5,502/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,780/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,460
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,021
−HK$3,617/mo
Today · 4.125%
HK$121,638
baseline
▲ 0.50% · 4.625%
HK$129,039
+HK$7,401/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,276/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,336
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,751
−HK$3,465/mo
Today · 4.125%
HK$134,216
baseline
▲ 0.50% · 4.625%
HK$141,290
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,432/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,190 · Scale 2, in force from 26 Feb 2026)