LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,683
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,663
−HK$2,013/mo
Today · 4.125%
HK$67,676
baseline
▲ 0.50% · 4.625%
HK$71,794
+HK$4,118/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,352/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,846
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,746
−HK$1,928/mo
Today · 4.125%
HK$74,674
baseline
▲ 0.50% · 4.625%
HK$78,610
+HK$3,936/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,348/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,419
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,796
−HK$2,415/mo
Today · 4.125%
HK$81,211
baseline
▲ 0.50% · 4.625%
HK$86,153
+HK$4,942/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,422/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,015
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,295
−HK$2,314/mo
Today · 4.125%
HK$89,609
baseline
▲ 0.50% · 4.625%
HK$94,332
+HK$4,723/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,218/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,156
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,929
−HK$2,817/mo
Today · 4.125%
HK$94,746
baseline
▲ 0.50% · 4.625%
HK$100,511
+HK$5,765/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,492/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,185
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,845
−HK$2,698/mo
Today · 4.125%
HK$104,543
baseline
▲ 0.50% · 4.625%
HK$110,054
+HK$5,511/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,086/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,629
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,194
−HK$3,623/mo
Today · 4.125%
HK$121,817
baseline
▲ 0.50% · 4.625%
HK$129,229
+HK$7,412/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,634/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,523
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,943
−HK$3,470/mo
Today · 4.125%
HK$134,413
baseline
▲ 0.50% · 4.625%
HK$141,498
+HK$7,085/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,826/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,932 · Scale 2, in force from 26 Feb 2026)