LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,666
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,646
−HK$2,012/mo
Today · 4.125%
HK$67,658
baseline
▲ 0.50% · 4.625%
HK$71,775
+HK$4,117/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,316/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,828
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,727
−HK$1,927/mo
Today · 4.125%
HK$74,654
baseline
▲ 0.50% · 4.625%
HK$78,589
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,308/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,399
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,776
−HK$2,414/mo
Today · 4.125%
HK$81,190
baseline
▲ 0.50% · 4.625%
HK$86,130
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,380/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,993
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,273
−HK$2,312/mo
Today · 4.125%
HK$89,585
baseline
▲ 0.50% · 4.625%
HK$94,307
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,170/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,132
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,905
−HK$2,817/mo
Today · 4.125%
HK$94,722
baseline
▲ 0.50% · 4.625%
HK$100,485
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,444/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,159
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,818
−HK$2,698/mo
Today · 4.125%
HK$104,516
baseline
▲ 0.50% · 4.625%
HK$110,025
+HK$5,509/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,032/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,599
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,163
−HK$3,622/mo
Today · 4.125%
HK$121,785
baseline
▲ 0.50% · 4.625%
HK$129,195
+HK$7,410/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,570/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,490
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,909
−HK$3,469/mo
Today · 4.125%
HK$134,378
baseline
▲ 0.50% · 4.625%
HK$141,461
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,756/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,622 · Scale 2, in force from 26 Feb 2026)