LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,660
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,640
−HK$2,012/mo
Today · 4.125%
HK$67,652
baseline
▲ 0.50% · 4.625%
HK$71,768
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,304/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,821
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,720
−HK$1,927/mo
Today · 4.125%
HK$74,647
baseline
▲ 0.50% · 4.625%
HK$78,582
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,294/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,392
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,768
−HK$2,414/mo
Today · 4.125%
HK$81,182
baseline
▲ 0.50% · 4.625%
HK$86,122
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,364/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,985
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,264
−HK$2,312/mo
Today · 4.125%
HK$89,576
baseline
▲ 0.50% · 4.625%
HK$94,298
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,152/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,124
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,896
−HK$2,816/mo
Today · 4.125%
HK$94,712
baseline
▲ 0.50% · 4.625%
HK$100,475
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,424/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,149
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,808
−HK$2,698/mo
Today · 4.125%
HK$104,506
baseline
▲ 0.50% · 4.625%
HK$110,014
+HK$5,508/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,012/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,587
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,152
−HK$3,621/mo
Today · 4.125%
HK$121,773
baseline
▲ 0.50% · 4.625%
HK$129,183
+HK$7,410/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,546/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,477
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,896
−HK$3,469/mo
Today · 4.125%
HK$134,365
baseline
▲ 0.50% · 4.625%
HK$141,447
+HK$7,082/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,730/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,506 · Scale 2, in force from 26 Feb 2026)