LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,630
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,609
−HK$2,011/mo
Today · 4.125%
HK$67,620
baseline
▲ 0.50% · 4.625%
HK$71,735
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,240/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,788
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,686
−HK$1,926/mo
Today · 4.125%
HK$74,612
baseline
▲ 0.50% · 4.625%
HK$78,545
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,224/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,356
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,731
−HK$2,413/mo
Today · 4.125%
HK$81,144
baseline
▲ 0.50% · 4.625%
HK$86,081
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,288/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,223
−HK$2,311/mo
Today · 4.125%
HK$89,534
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$4,720/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,068/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,082
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,853
−HK$2,815/mo
Today · 4.125%
HK$94,668
baseline
▲ 0.50% · 4.625%
HK$100,428
+HK$5,760/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,336/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,103
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,760
−HK$2,697/mo
Today · 4.125%
HK$104,457
baseline
▲ 0.50% · 4.625%
HK$109,963
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,914/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,534
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,096
−HK$3,620/mo
Today · 4.125%
HK$121,716
baseline
▲ 0.50% · 4.625%
HK$129,122
+HK$7,406/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,432/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,418
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,835
−HK$3,467/mo
Today · 4.125%
HK$134,302
baseline
▲ 0.50% · 4.625%
HK$141,381
+HK$7,079/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,604/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,950 · Scale 2, in force from 26 Feb 2026)