LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,597
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,575
−HK$2,010/mo
Today · 4.125%
HK$67,585
baseline
▲ 0.50% · 4.625%
HK$71,698
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,170/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,751
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,649
−HK$1,925/mo
Today · 4.125%
HK$74,574
baseline
▲ 0.50% · 4.625%
HK$78,504
+HK$3,930/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,148/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,317
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,690
−HK$2,412/mo
Today · 4.125%
HK$81,102
baseline
▲ 0.50% · 4.625%
HK$86,037
+HK$4,935/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$162,204/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,901
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,178
−HK$2,310/mo
Today · 4.125%
HK$89,488
baseline
▲ 0.50% · 4.625%
HK$94,205
+HK$4,717/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$178,976/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,036
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,805
−HK$2,814/mo
Today · 4.125%
HK$94,619
baseline
▲ 0.50% · 4.625%
HK$100,377
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,238/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,052
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,708
−HK$2,695/mo
Today · 4.125%
HK$104,403
baseline
▲ 0.50% · 4.625%
HK$109,906
+HK$5,503/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,806/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,475
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,036
−HK$3,617/mo
Today · 4.125%
HK$121,653
baseline
▲ 0.50% · 4.625%
HK$129,056
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,306/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,352
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,768
−HK$3,464/mo
Today · 4.125%
HK$134,232
baseline
▲ 0.50% · 4.625%
HK$141,308
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,464/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,339 · Scale 2, in force from 26 Feb 2026)