LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,694
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$2,013/mo
Today · 4.125%
HK$67,688
baseline
▲ 0.50% · 4.625%
HK$71,806
+HK$4,118/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,376/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,858
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,759
−HK$1,928/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$78,624
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,432
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,810
−HK$2,415/mo
Today · 4.125%
HK$81,225
baseline
▲ 0.50% · 4.625%
HK$86,168
+HK$4,943/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,450/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,030
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,311
−HK$2,313/mo
Today · 4.125%
HK$89,624
baseline
▲ 0.50% · 4.625%
HK$94,348
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,248/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,171
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,945
−HK$2,818/mo
Today · 4.125%
HK$94,763
baseline
▲ 0.50% · 4.625%
HK$100,529
+HK$5,766/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,526/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,202
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,862
−HK$2,699/mo
Today · 4.125%
HK$104,561
baseline
▲ 0.50% · 4.625%
HK$110,073
+HK$5,512/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,122/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,648
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,215
−HK$3,623/mo
Today · 4.125%
HK$121,838
baseline
▲ 0.50% · 4.625%
HK$129,251
+HK$7,413/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,676/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,545
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,966
−HK$3,470/mo
Today · 4.125%
HK$134,436
baseline
▲ 0.50% · 4.625%
HK$141,522
+HK$7,086/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,872/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,138 · Scale 2, in force from 26 Feb 2026)