LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,603
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,582
−HK$2,010/mo
Today · 4.125%
HK$67,592
baseline
▲ 0.50% · 4.625%
HK$71,705
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,184/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,758
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$1,925/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$78,512
+HK$3,931/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,324
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,698
−HK$2,412/mo
Today · 4.125%
HK$81,110
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,220/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,910
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,187
−HK$2,310/mo
Today · 4.125%
HK$89,497
baseline
▲ 0.50% · 4.625%
HK$94,215
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$178,994/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,045
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,814
−HK$2,815/mo
Today · 4.125%
HK$94,629
baseline
▲ 0.50% · 4.625%
HK$100,386
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,258/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,061
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,718
−HK$2,695/mo
Today · 4.125%
HK$104,413
baseline
▲ 0.50% · 4.625%
HK$109,917
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,826/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,486
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,047
−HK$3,618/mo
Today · 4.125%
HK$121,665
baseline
▲ 0.50% · 4.625%
HK$129,068
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,330/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,364
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,780
−HK$3,466/mo
Today · 4.125%
HK$134,246
baseline
▲ 0.50% · 4.625%
HK$141,322
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,492/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,455 · Scale 2, in force from 26 Feb 2026)