LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,600
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,579
−HK$2,010/mo
Today · 4.125%
HK$67,589
baseline
▲ 0.50% · 4.625%
HK$71,701
+HK$4,112/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,178/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,755
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$1,926/mo
Today · 4.125%
HK$74,578
baseline
▲ 0.50% · 4.625%
HK$78,509
+HK$3,931/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,156/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,321
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,695
−HK$2,412/mo
Today · 4.125%
HK$81,107
baseline
▲ 0.50% · 4.625%
HK$86,042
+HK$4,935/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,214/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,906
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,183
−HK$2,310/mo
Today · 4.125%
HK$89,493
baseline
▲ 0.50% · 4.625%
HK$94,210
+HK$4,717/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$178,986/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,041
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,810
−HK$2,814/mo
Today · 4.125%
HK$94,624
baseline
▲ 0.50% · 4.625%
HK$100,382
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,248/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,057
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,713
−HK$2,696/mo
Today · 4.125%
HK$104,409
baseline
▲ 0.50% · 4.625%
HK$109,912
+HK$5,503/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,818/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,481
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,042
−HK$3,618/mo
Today · 4.125%
HK$121,660
baseline
▲ 0.50% · 4.625%
HK$129,062
+HK$7,402/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,320/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,359
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,774
−HK$3,466/mo
Today · 4.125%
HK$134,240
baseline
▲ 0.50% · 4.625%
HK$141,315
+HK$7,075/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,480/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,402 · Scale 2, in force from 26 Feb 2026)