LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,620
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,599
−HK$2,011/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,777
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,675
−HK$1,926/mo
Today · 4.125%
HK$74,601
baseline
▲ 0.50% · 4.625%
HK$78,533
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,202/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,344
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,719
−HK$2,413/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$86,068
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,932
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,210
−HK$2,311/mo
Today · 4.125%
HK$89,521
baseline
▲ 0.50% · 4.625%
HK$94,240
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,042/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,068
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,839
−HK$2,815/mo
Today · 4.125%
HK$94,654
baseline
▲ 0.50% · 4.625%
HK$100,413
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,308/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,088
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,745
−HK$2,696/mo
Today · 4.125%
HK$104,441
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,882/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,516
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,078
−HK$3,620/mo
Today · 4.125%
HK$121,698
baseline
▲ 0.50% · 4.625%
HK$129,103
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,396/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,398
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,815
−HK$3,466/mo
Today · 4.125%
HK$134,281
baseline
▲ 0.50% · 4.625%
HK$141,359
+HK$7,078/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,562/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,770 · Scale 2, in force from 26 Feb 2026)