LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,658
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,638
−HK$2,012/mo
Today · 4.125%
HK$67,650
baseline
▲ 0.50% · 4.625%
HK$71,766
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,300/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,819
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,718
−HK$1,927/mo
Today · 4.125%
HK$74,645
baseline
▲ 0.50% · 4.625%
HK$78,580
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,290/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,390
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,766
−HK$2,414/mo
Today · 4.125%
HK$81,180
baseline
▲ 0.50% · 4.625%
HK$86,120
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,360/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,983
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,262
−HK$2,312/mo
Today · 4.125%
HK$89,574
baseline
▲ 0.50% · 4.625%
HK$94,296
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,148/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,121
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,894
−HK$2,816/mo
Today · 4.125%
HK$94,710
baseline
▲ 0.50% · 4.625%
HK$100,473
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,420/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,147
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,806
−HK$2,697/mo
Today · 4.125%
HK$104,503
baseline
▲ 0.50% · 4.625%
HK$110,012
+HK$5,509/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,006/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,585
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,149
−HK$3,621/mo
Today · 4.125%
HK$121,770
baseline
▲ 0.50% · 4.625%
HK$129,179
+HK$7,409/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,540/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,474
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,893
−HK$3,468/mo
Today · 4.125%
HK$134,361
baseline
▲ 0.50% · 4.625%
HK$141,444
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,722/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,476 · Scale 2, in force from 26 Feb 2026)