LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,643
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,622
−HK$2,011/mo
Today · 4.125%
HK$67,633
baseline
▲ 0.50% · 4.625%
HK$71,749
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,266/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,802
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,701
−HK$1,926/mo
Today · 4.125%
HK$74,627
baseline
▲ 0.50% · 4.625%
HK$78,561
+HK$3,934/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,254/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,371
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,747
−HK$2,413/mo
Today · 4.125%
HK$81,160
baseline
▲ 0.50% · 4.625%
HK$86,099
+HK$4,939/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$162,320/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,962
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,241
−HK$2,311/mo
Today · 4.125%
HK$89,552
baseline
▲ 0.50% · 4.625%
HK$94,273
+HK$4,721/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$179,104/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,100
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,816/mo
Today · 4.125%
HK$94,687
baseline
▲ 0.50% · 4.625%
HK$100,448
+HK$5,761/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$189,374/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,122
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,781
−HK$2,697/mo
Today · 4.125%
HK$104,478
baseline
▲ 0.50% · 4.625%
HK$109,985
+HK$5,507/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$208,956/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,557
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,120
−HK$3,620/mo
Today · 4.125%
HK$121,740
baseline
▲ 0.50% · 4.625%
HK$129,148
+HK$7,408/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,480/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,443
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,861
−HK$3,467/mo
Today · 4.125%
HK$134,328
baseline
▲ 0.50% · 4.625%
HK$141,409
+HK$7,081/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,656/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,186 · Scale 2, in force from 26 Feb 2026)