LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,626
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,606
−HK$2,010/mo
Today · 4.125%
HK$67,616
baseline
▲ 0.50% · 4.625%
HK$71,731
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,232/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,784
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,682
−HK$1,926/mo
Today · 4.125%
HK$74,608
baseline
▲ 0.50% · 4.625%
HK$78,541
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,216/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,352
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,727
−HK$2,413/mo
Today · 4.125%
HK$81,140
baseline
▲ 0.50% · 4.625%
HK$86,077
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,280/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,940
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,218
−HK$2,312/mo
Today · 4.125%
HK$89,530
baseline
▲ 0.50% · 4.625%
HK$94,249
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,060/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,077
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,848
−HK$2,815/mo
Today · 4.125%
HK$94,663
baseline
▲ 0.50% · 4.625%
HK$100,423
+HK$5,760/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,326/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,097
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,755
−HK$2,696/mo
Today · 4.125%
HK$104,451
baseline
▲ 0.50% · 4.625%
HK$109,957
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,902/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,527
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,090
−HK$3,619/mo
Today · 4.125%
HK$121,709
baseline
▲ 0.50% · 4.625%
HK$129,115
+HK$7,406/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,418/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,411
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,828
−HK$3,466/mo
Today · 4.125%
HK$134,294
baseline
▲ 0.50% · 4.625%
HK$141,373
+HK$7,079/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,588/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,885 · Scale 2, in force from 26 Feb 2026)