LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,618
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,597
−HK$2,011/mo
Today · 4.125%
HK$67,608
baseline
▲ 0.50% · 4.625%
HK$71,722
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,216/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,775
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,673
−HK$1,926/mo
Today · 4.125%
HK$74,599
baseline
▲ 0.50% · 4.625%
HK$78,531
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,198/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,342
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,717
−HK$2,412/mo
Today · 4.125%
HK$81,129
baseline
▲ 0.50% · 4.625%
HK$86,066
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,258/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,930
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,207
−HK$2,311/mo
Today · 4.125%
HK$89,518
baseline
▲ 0.50% · 4.625%
HK$94,237
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,036/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,066
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,836
−HK$2,815/mo
Today · 4.125%
HK$94,651
baseline
▲ 0.50% · 4.625%
HK$100,410
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,302/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,085
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,742
−HK$2,696/mo
Today · 4.125%
HK$104,438
baseline
▲ 0.50% · 4.625%
HK$109,943
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,876/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,513
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,075
−HK$3,619/mo
Today · 4.125%
HK$121,694
baseline
▲ 0.50% · 4.625%
HK$129,099
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,388/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,395
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,811
−HK$3,466/mo
Today · 4.125%
HK$134,277
baseline
▲ 0.50% · 4.625%
HK$141,355
+HK$7,078/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,554/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,735 · Scale 2, in force from 26 Feb 2026)