LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,672
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,653
−HK$2,012/mo
Today · 4.125%
HK$67,665
baseline
▲ 0.50% · 4.625%
HK$71,782
+HK$4,117/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,330/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,835
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,735
−HK$1,927/mo
Today · 4.125%
HK$74,662
baseline
▲ 0.50% · 4.625%
HK$78,597
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,324/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,407
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,783
−HK$2,415/mo
Today · 4.125%
HK$81,198
baseline
▲ 0.50% · 4.625%
HK$86,139
+HK$4,941/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,396/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,002
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,281
−HK$2,313/mo
Today · 4.125%
HK$89,594
baseline
▲ 0.50% · 4.625%
HK$94,317
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,188/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,141
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,914
−HK$2,817/mo
Today · 4.125%
HK$94,731
baseline
▲ 0.50% · 4.625%
HK$100,495
+HK$5,764/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,462/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,169
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,828
−HK$2,698/mo
Today · 4.125%
HK$104,526
baseline
▲ 0.50% · 4.625%
HK$110,036
+HK$5,510/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,052/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,610
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$118,175
−HK$3,622/mo
Today · 4.125%
HK$121,797
baseline
▲ 0.50% · 4.625%
HK$129,208
+HK$7,411/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,594/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,503
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,922
−HK$3,469/mo
Today · 4.125%
HK$134,391
baseline
▲ 0.50% · 4.625%
HK$141,475
+HK$7,084/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,782/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,741 · Scale 2, in force from 26 Feb 2026)