LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,670
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,650
−HK$2,012/mo
Today · 4.125%
HK$67,662
baseline
▲ 0.50% · 4.625%
HK$71,779
+HK$4,117/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,324/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,832
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,731
−HK$1,928/mo
Today · 4.125%
HK$74,659
baseline
▲ 0.50% · 4.625%
HK$78,594
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,318/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,404
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,780
−HK$2,415/mo
Today · 4.125%
HK$81,195
baseline
▲ 0.50% · 4.625%
HK$86,135
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,390/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,998
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,278
−HK$2,312/mo
Today · 4.125%
HK$89,590
baseline
▲ 0.50% · 4.625%
HK$94,313
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,180/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,137
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,910
−HK$2,817/mo
Today · 4.125%
HK$94,727
baseline
▲ 0.50% · 4.625%
HK$100,491
+HK$5,764/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,454/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,165
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,824
−HK$2,698/mo
Today · 4.125%
HK$104,522
baseline
▲ 0.50% · 4.625%
HK$110,032
+HK$5,510/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,044/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,605
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$118,170
−HK$3,622/mo
Today · 4.125%
HK$121,792
baseline
▲ 0.50% · 4.625%
HK$129,203
+HK$7,411/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,584/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,497
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$130,917
−HK$3,469/mo
Today · 4.125%
HK$134,386
baseline
▲ 0.50% · 4.625%
HK$141,469
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,772/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,691 · Scale 2, in force from 26 Feb 2026)