LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,675
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,656
−HK$2,012/mo
Today · 4.125%
HK$67,668
baseline
▲ 0.50% · 4.625%
HK$71,786
+HK$4,118/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,336/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,838
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,738
−HK$1,927/mo
Today · 4.125%
HK$74,665
baseline
▲ 0.50% · 4.625%
HK$78,601
+HK$3,936/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,330/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,410
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,787
−HK$2,415/mo
Today · 4.125%
HK$81,202
baseline
▲ 0.50% · 4.625%
HK$86,143
+HK$4,941/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,404/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,006
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,285
−HK$2,313/mo
Today · 4.125%
HK$89,598
baseline
▲ 0.50% · 4.625%
HK$94,321
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,196/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,145
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,918
−HK$2,817/mo
Today · 4.125%
HK$94,735
baseline
▲ 0.50% · 4.625%
HK$100,500
+HK$5,765/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,470/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,173
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,833
−HK$2,698/mo
Today · 4.125%
HK$104,531
baseline
▲ 0.50% · 4.625%
HK$110,041
+HK$5,510/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,062/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,615
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,180
−HK$3,623/mo
Today · 4.125%
HK$121,803
baseline
▲ 0.50% · 4.625%
HK$129,214
+HK$7,411/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,606/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,508
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$130,928
−HK$3,469/mo
Today · 4.125%
HK$134,397
baseline
▲ 0.50% · 4.625%
HK$141,482
+HK$7,085/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,794/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,794 · Scale 2, in force from 26 Feb 2026)