LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,660
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,641
−HK$2,011/mo
Today · 4.125%
HK$67,652
baseline
▲ 0.50% · 4.625%
HK$71,769
+HK$4,117/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$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,821
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,721
−HK$1,927/mo
Today · 4.125%
HK$74,648
baseline
▲ 0.50% · 4.625%
HK$78,583
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,296/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,392
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,769
−HK$2,414/mo
Today · 4.125%
HK$81,183
baseline
▲ 0.50% · 4.625%
HK$86,123
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,366/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,986
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,265
−HK$2,312/mo
Today · 4.125%
HK$89,577
baseline
▲ 0.50% · 4.625%
HK$94,299
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,154/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,124
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,897
−HK$2,816/mo
Today · 4.125%
HK$94,713
baseline
▲ 0.50% · 4.625%
HK$100,476
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,426/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,150
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,809
−HK$2,698/mo
Today · 4.125%
HK$104,507
baseline
▲ 0.50% · 4.625%
HK$110,016
+HK$5,509/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,014/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,589
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,153
−HK$3,621/mo
Today · 4.125%
HK$121,774
baseline
▲ 0.50% · 4.625%
HK$129,184
+HK$7,410/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,548/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,479
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,898
−HK$3,468/mo
Today · 4.125%
HK$134,366
baseline
▲ 0.50% · 4.625%
HK$141,449
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,732/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,518 · Scale 2, in force from 26 Feb 2026)