LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,676
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,657
−HK$2,012/mo
Today · 4.125%
HK$67,669
baseline
▲ 0.50% · 4.625%
HK$71,786
+HK$4,117/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,338/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,839
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,739
−HK$1,927/mo
Today · 4.125%
HK$74,666
baseline
▲ 0.50% · 4.625%
HK$78,602
+HK$3,936/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,332/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,411
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,788
−HK$2,415/mo
Today · 4.125%
HK$81,203
baseline
▲ 0.50% · 4.625%
HK$86,144
+HK$4,941/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,406/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,007
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,286
−HK$2,313/mo
Today · 4.125%
HK$89,599
baseline
▲ 0.50% · 4.625%
HK$94,322
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,198/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,146
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,919
−HK$2,818/mo
Today · 4.125%
HK$94,737
baseline
▲ 0.50% · 4.625%
HK$100,501
+HK$5,764/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,474/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,174
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,834
−HK$2,698/mo
Today · 4.125%
HK$104,532
baseline
▲ 0.50% · 4.625%
HK$110,042
+HK$5,510/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,064/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,617
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$118,182
−HK$3,622/mo
Today · 4.125%
HK$121,804
baseline
▲ 0.50% · 4.625%
HK$129,216
+HK$7,412/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,608/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,510
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$130,930
−HK$3,469/mo
Today · 4.125%
HK$134,399
baseline
▲ 0.50% · 4.625%
HK$141,483
+HK$7,084/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,798/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,808 · Scale 2, in force from 26 Feb 2026)