LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,712
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,694
−HK$2,013/mo
Today · 4.125%
HK$67,707
baseline
▲ 0.50% · 4.625%
HK$71,827
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,414/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,879
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,780
−HK$1,928/mo
Today · 4.125%
HK$74,708
baseline
▲ 0.50% · 4.625%
HK$78,646
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,416/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,454
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,833
−HK$2,416/mo
Today · 4.125%
HK$81,249
baseline
▲ 0.50% · 4.625%
HK$86,193
+HK$4,944/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$162,498/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,055
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,336
−HK$2,314/mo
Today · 4.125%
HK$89,650
baseline
▲ 0.50% · 4.625%
HK$94,376
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$179,300/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,197
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,971
−HK$2,819/mo
Today · 4.125%
HK$94,790
baseline
▲ 0.50% · 4.625%
HK$100,558
+HK$5,768/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,580/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,231
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,892
−HK$2,700/mo
Today · 4.125%
HK$104,592
baseline
▲ 0.50% · 4.625%
HK$110,105
+HK$5,513/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,184/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,682
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,249
−HK$3,624/mo
Today · 4.125%
HK$121,873
baseline
▲ 0.50% · 4.625%
HK$129,289
+HK$7,416/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,746/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,582
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,004
−HK$3,471/mo
Today · 4.125%
HK$134,475
baseline
▲ 0.50% · 4.625%
HK$141,563
+HK$7,088/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,950/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,481 · Scale 2, in force from 26 Feb 2026)