LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,725
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,707
−HK$2,014/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,842
+HK$4,121/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,893
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,795
−HK$1,928/mo
Today · 4.125%
HK$74,723
baseline
▲ 0.50% · 4.625%
HK$78,662
+HK$3,939/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,446/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,470
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,849
−HK$2,416/mo
Today · 4.125%
HK$81,265
baseline
▲ 0.50% · 4.625%
HK$86,210
+HK$4,945/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,530/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,072
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,354
−HK$2,314/mo
Today · 4.125%
HK$89,668
baseline
▲ 0.50% · 4.625%
HK$94,395
+HK$4,727/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,336/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,215
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,990
−HK$2,819/mo
Today · 4.125%
HK$94,809
baseline
▲ 0.50% · 4.625%
HK$100,578
+HK$5,769/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,618/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,251
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,913
−HK$2,700/mo
Today · 4.125%
HK$104,613
baseline
▲ 0.50% · 4.625%
HK$110,127
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,226/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,705
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,273
−HK$3,625/mo
Today · 4.125%
HK$121,898
baseline
▲ 0.50% · 4.625%
HK$129,315
+HK$7,417/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,796/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,608
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,030
−HK$3,472/mo
Today · 4.125%
HK$134,502
baseline
▲ 0.50% · 4.625%
HK$141,592
+HK$7,090/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$269,004/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,722 · Scale 2, in force from 26 Feb 2026)