LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,655
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,635
−HK$2,012/mo
Today · 4.125%
HK$67,647
baseline
▲ 0.50% · 4.625%
HK$71,763
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,294/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,816
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,715
−HK$1,927/mo
Today · 4.125%
HK$74,642
baseline
▲ 0.50% · 4.625%
HK$78,576
+HK$3,934/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,284/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,386
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,762
−HK$2,414/mo
Today · 4.125%
HK$81,176
baseline
▲ 0.50% · 4.625%
HK$86,116
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,352/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,979
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,258
−HK$2,312/mo
Today · 4.125%
HK$89,570
baseline
▲ 0.50% · 4.625%
HK$94,291
+HK$4,721/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,140/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,117
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,889
−HK$2,817/mo
Today · 4.125%
HK$94,706
baseline
▲ 0.50% · 4.625%
HK$100,468
+HK$5,762/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$189,412/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,142
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,801
−HK$2,697/mo
Today · 4.125%
HK$104,498
baseline
▲ 0.50% · 4.625%
HK$110,007
+HK$5,509/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$208,996/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,579
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,143
−HK$3,621/mo
Today · 4.125%
HK$121,764
baseline
▲ 0.50% · 4.625%
HK$129,174
+HK$7,410/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,528/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,468
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,887
−HK$3,468/mo
Today · 4.125%
HK$134,355
baseline
▲ 0.50% · 4.625%
HK$141,437
+HK$7,082/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,710/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,422 · Scale 2, in force from 26 Feb 2026)