LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,631
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,610
−HK$2,011/mo
Today · 4.125%
HK$67,621
baseline
▲ 0.50% · 4.625%
HK$71,736
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,242/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,789
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,687
−HK$1,926/mo
Today · 4.125%
HK$74,613
baseline
▲ 0.50% · 4.625%
HK$78,546
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,226/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,357
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,732
−HK$2,413/mo
Today · 4.125%
HK$81,145
baseline
▲ 0.50% · 4.625%
HK$86,083
+HK$4,938/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,290/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,946
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,225
−HK$2,311/mo
Today · 4.125%
HK$89,536
baseline
▲ 0.50% · 4.625%
HK$94,255
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,072/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,083
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,854
−HK$2,815/mo
Today · 4.125%
HK$94,669
baseline
▲ 0.50% · 4.625%
HK$100,430
+HK$5,761/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,338/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,104
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,762
−HK$2,696/mo
Today · 4.125%
HK$104,458
baseline
▲ 0.50% · 4.625%
HK$109,964
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,916/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,535
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,098
−HK$3,620/mo
Today · 4.125%
HK$121,718
baseline
▲ 0.50% · 4.625%
HK$129,124
+HK$7,406/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,436/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,420
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,837
−HK$3,467/mo
Today · 4.125%
HK$134,304
baseline
▲ 0.50% · 4.625%
HK$141,383
+HK$7,079/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,608/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,967 · Scale 2, in force from 26 Feb 2026)