LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,616
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,595
−HK$2,010/mo
Today · 4.125%
HK$67,605
baseline
▲ 0.50% · 4.625%
HK$71,719
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,210/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,772
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$1,926/mo
Today · 4.125%
HK$74,596
baseline
▲ 0.50% · 4.625%
HK$78,528
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,192/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,339
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,714
−HK$2,412/mo
Today · 4.125%
HK$81,126
baseline
▲ 0.50% · 4.625%
HK$86,063
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,252/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,927
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,204
−HK$2,311/mo
Today · 4.125%
HK$89,515
baseline
▲ 0.50% · 4.625%
HK$94,233
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,030/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,062
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,833
−HK$2,814/mo
Today · 4.125%
HK$94,647
baseline
▲ 0.50% · 4.625%
HK$100,406
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,294/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,081
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,738
−HK$2,696/mo
Today · 4.125%
HK$104,434
baseline
▲ 0.50% · 4.625%
HK$109,939
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,868/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,509
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,071
−HK$3,618/mo
Today · 4.125%
HK$121,689
baseline
▲ 0.50% · 4.625%
HK$129,094
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,378/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,390
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,806
−HK$3,466/mo
Today · 4.125%
HK$134,272
baseline
▲ 0.50% · 4.625%
HK$141,350
+HK$7,078/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,544/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,691 · Scale 2, in force from 26 Feb 2026)