LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,590
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,569
−HK$2,009/mo
Today · 4.125%
HK$67,578
baseline
▲ 0.50% · 4.625%
HK$71,690
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,156/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,744
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,641
−HK$1,925/mo
Today · 4.125%
HK$74,566
baseline
▲ 0.50% · 4.625%
HK$78,496
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,132/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,309
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,682
−HK$2,412/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$86,028
+HK$4,934/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,893
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,169
−HK$2,310/mo
Today · 4.125%
HK$89,479
baseline
▲ 0.50% · 4.625%
HK$94,196
+HK$4,717/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,958/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,027
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,796
−HK$2,813/mo
Today · 4.125%
HK$94,609
baseline
▲ 0.50% · 4.625%
HK$100,366
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,218/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,041
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,698
−HK$2,694/mo
Today · 4.125%
HK$104,392
baseline
▲ 0.50% · 4.625%
HK$109,895
+HK$5,503/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,784/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,463
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,023
−HK$3,618/mo
Today · 4.125%
HK$121,641
baseline
▲ 0.50% · 4.625%
HK$129,042
+HK$7,401/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,282/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,339
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,754
−HK$3,465/mo
Today · 4.125%
HK$134,219
baseline
▲ 0.50% · 4.625%
HK$141,293
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,438/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,216 · Scale 2, in force from 26 Feb 2026)