LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,678
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,659
−HK$2,012/mo
Today · 4.125%
HK$67,671
baseline
▲ 0.50% · 4.625%
HK$71,789
+HK$4,118/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,342/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,841
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,741
−HK$1,927/mo
Today · 4.125%
HK$74,668
baseline
▲ 0.50% · 4.625%
HK$78,604
+HK$3,936/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,336/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,413
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,790
−HK$2,415/mo
Today · 4.125%
HK$81,205
baseline
▲ 0.50% · 4.625%
HK$86,146
+HK$4,941/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,410/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,009
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,289
−HK$2,313/mo
Today · 4.125%
HK$89,602
baseline
▲ 0.50% · 4.625%
HK$94,325
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,204/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,149
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,922
−HK$2,817/mo
Today · 4.125%
HK$94,739
baseline
▲ 0.50% · 4.625%
HK$100,504
+HK$5,765/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,478/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,177
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,837
−HK$2,699/mo
Today · 4.125%
HK$104,536
baseline
▲ 0.50% · 4.625%
HK$110,046
+HK$5,510/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,072/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,620
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,185
−HK$3,623/mo
Today · 4.125%
HK$121,808
baseline
▲ 0.50% · 4.625%
HK$129,219
+HK$7,411/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,616/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,514
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$130,933
−HK$3,470/mo
Today · 4.125%
HK$134,403
baseline
▲ 0.50% · 4.625%
HK$141,487
+HK$7,084/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,806/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,843 · Scale 2, in force from 26 Feb 2026)