LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,709
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,690
−HK$2,014/mo
Today · 4.125%
HK$67,704
baseline
▲ 0.50% · 4.625%
HK$71,823
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,408/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,875
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,776
−HK$1,928/mo
Today · 4.125%
HK$74,704
baseline
▲ 0.50% · 4.625%
HK$78,642
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,408/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,450
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,828
−HK$2,416/mo
Today · 4.125%
HK$81,244
baseline
▲ 0.50% · 4.625%
HK$86,188
+HK$4,944/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$162,488/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,050
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,331
−HK$2,314/mo
Today · 4.125%
HK$89,645
baseline
▲ 0.50% · 4.625%
HK$94,370
+HK$4,725/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$179,290/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,192
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,966
−HK$2,819/mo
Today · 4.125%
HK$94,785
baseline
▲ 0.50% · 4.625%
HK$100,552
+HK$5,767/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,570/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,225
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,886
−HK$2,700/mo
Today · 4.125%
HK$104,586
baseline
▲ 0.50% · 4.625%
HK$110,099
+HK$5,513/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,172/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,675
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,242
−HK$3,624/mo
Today · 4.125%
HK$121,866
baseline
▲ 0.50% · 4.625%
HK$129,282
+HK$7,416/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,732/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,575
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$130,997
−HK$3,471/mo
Today · 4.125%
HK$134,468
baseline
▲ 0.50% · 4.625%
HK$141,556
+HK$7,088/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,936/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,416 · Scale 2, in force from 26 Feb 2026)