LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,635
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,614
−HK$2,011/mo
Today · 4.125%
HK$67,625
baseline
▲ 0.50% · 4.625%
HK$71,740
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,250/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,793
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,692
−HK$1,926/mo
Today · 4.125%
HK$74,618
baseline
▲ 0.50% · 4.625%
HK$78,551
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,236/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,362
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,737
−HK$2,413/mo
Today · 4.125%
HK$81,150
baseline
▲ 0.50% · 4.625%
HK$86,088
+HK$4,938/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,300/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,952
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,230
−HK$2,311/mo
Today · 4.125%
HK$89,541
baseline
▲ 0.50% · 4.625%
HK$94,261
+HK$4,720/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,082/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,089
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,860
−HK$2,815/mo
Today · 4.125%
HK$94,675
baseline
▲ 0.50% · 4.625%
HK$100,436
+HK$5,761/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,350/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,110
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,768
−HK$2,697/mo
Today · 4.125%
HK$104,465
baseline
▲ 0.50% · 4.625%
HK$109,971
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,930/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,542
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,105
−HK$3,620/mo
Today · 4.125%
HK$121,725
baseline
▲ 0.50% · 4.625%
HK$129,132
+HK$7,407/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,450/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,427
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,845
−HK$3,467/mo
Today · 4.125%
HK$134,312
baseline
▲ 0.50% · 4.625%
HK$141,392
+HK$7,080/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,624/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,040 · Scale 2, in force from 26 Feb 2026)