LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,679
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,660
−HK$2,012/mo
Today · 4.125%
HK$67,672
baseline
▲ 0.50% · 4.625%
HK$71,790
+HK$4,118/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,344/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,842
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,742
−HK$1,928/mo
Today · 4.125%
HK$74,670
baseline
▲ 0.50% · 4.625%
HK$78,606
+HK$3,936/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,340/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,415
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,792
−HK$2,415/mo
Today · 4.125%
HK$81,207
baseline
▲ 0.50% · 4.625%
HK$86,148
+HK$4,941/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,414/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,011
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,291
−HK$2,313/mo
Today · 4.125%
HK$89,604
baseline
▲ 0.50% · 4.625%
HK$94,327
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,208/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,151
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,924
−HK$2,817/mo
Today · 4.125%
HK$94,741
baseline
▲ 0.50% · 4.625%
HK$100,506
+HK$5,765/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,482/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,179
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,839
−HK$2,699/mo
Today · 4.125%
HK$104,538
baseline
▲ 0.50% · 4.625%
HK$110,048
+HK$5,510/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,076/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,622
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,188
−HK$3,622/mo
Today · 4.125%
HK$121,810
baseline
▲ 0.50% · 4.625%
HK$129,222
+HK$7,412/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,620/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,516
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,936
−HK$3,470/mo
Today · 4.125%
HK$134,406
baseline
▲ 0.50% · 4.625%
HK$141,490
+HK$7,084/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,812/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,868 · Scale 2, in force from 26 Feb 2026)