LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,645
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,625
−HK$2,011/mo
Today · 4.125%
HK$67,636
baseline
▲ 0.50% · 4.625%
HK$71,752
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,272/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,805
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,704
−HK$1,926/mo
Today · 4.125%
HK$74,630
baseline
▲ 0.50% · 4.625%
HK$78,564
+HK$3,934/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,260/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,374
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,750
−HK$2,414/mo
Today · 4.125%
HK$81,164
baseline
▲ 0.50% · 4.625%
HK$86,102
+HK$4,938/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$162,328/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,966
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,244
−HK$2,312/mo
Today · 4.125%
HK$89,556
baseline
▲ 0.50% · 4.625%
HK$94,277
+HK$4,721/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$179,112/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,103
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,875
−HK$2,816/mo
Today · 4.125%
HK$94,691
baseline
▲ 0.50% · 4.625%
HK$100,453
+HK$5,762/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$189,382/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,127
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,785
−HK$2,697/mo
Today · 4.125%
HK$104,482
baseline
▲ 0.50% · 4.625%
HK$109,990
+HK$5,508/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$208,964/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,562
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$118,125
−HK$3,621/mo
Today · 4.125%
HK$121,746
baseline
▲ 0.50% · 4.625%
HK$129,154
+HK$7,408/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,492/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,449
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,867
−HK$3,467/mo
Today · 4.125%
HK$134,334
baseline
▲ 0.50% · 4.625%
HK$141,415
+HK$7,081/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,668/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,238 · Scale 2, in force from 26 Feb 2026)