LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,699
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,680
−HK$2,014/mo
Today · 4.125%
HK$67,694
baseline
▲ 0.50% · 4.625%
HK$71,813
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,388/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,865
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,765
−HK$1,928/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$78,630
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,439
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,817
−HK$2,415/mo
Today · 4.125%
HK$81,232
baseline
▲ 0.50% · 4.625%
HK$86,175
+HK$4,943/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,464/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,037
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,318
−HK$2,314/mo
Today · 4.125%
HK$89,632
baseline
▲ 0.50% · 4.625%
HK$94,356
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,264/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,179
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,953
−HK$2,818/mo
Today · 4.125%
HK$94,771
baseline
▲ 0.50% · 4.625%
HK$100,538
+HK$5,767/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,542/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,210
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,871
−HK$2,699/mo
Today · 4.125%
HK$104,570
baseline
▲ 0.50% · 4.625%
HK$110,082
+HK$5,512/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,140/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,658
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,225
−HK$3,623/mo
Today · 4.125%
HK$121,848
baseline
▲ 0.50% · 4.625%
HK$129,263
+HK$7,415/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,696/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,556
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,977
−HK$3,471/mo
Today · 4.125%
HK$134,448
baseline
▲ 0.50% · 4.625%
HK$141,535
+HK$7,087/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,896/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,240 · Scale 2, in force from 26 Feb 2026)