LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,731
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,714
−HK$2,014/mo
Today · 4.125%
HK$67,728
baseline
▲ 0.50% · 4.625%
HK$71,849
+HK$4,121/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,456/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,901
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,802
−HK$1,929/mo
Today · 4.125%
HK$74,731
baseline
▲ 0.50% · 4.625%
HK$78,670
+HK$3,939/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,462/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,478
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,857
−HK$2,417/mo
Today · 4.125%
HK$81,274
baseline
▲ 0.50% · 4.625%
HK$86,219
+HK$4,945/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,548/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,081
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,362
−HK$2,315/mo
Today · 4.125%
HK$89,677
baseline
▲ 0.50% · 4.625%
HK$94,404
+HK$4,727/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,354/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,224
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,999
−HK$2,820/mo
Today · 4.125%
HK$94,819
baseline
▲ 0.50% · 4.625%
HK$100,589
+HK$5,770/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,638/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,261
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,923
−HK$2,701/mo
Today · 4.125%
HK$104,624
baseline
▲ 0.50% · 4.625%
HK$110,138
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,248/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,717
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,285
−HK$3,625/mo
Today · 4.125%
HK$121,910
baseline
▲ 0.50% · 4.625%
HK$129,328
+HK$7,418/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,820/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,621
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,044
−HK$3,472/mo
Today · 4.125%
HK$134,516
baseline
▲ 0.50% · 4.625%
HK$141,606
+HK$7,090/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$269,032/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,843 · Scale 2, in force from 26 Feb 2026)