LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,734
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,717
−HK$2,014/mo
Today · 4.125%
HK$67,731
baseline
▲ 0.50% · 4.625%
HK$71,852
+HK$4,121/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,462/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,904
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,805
−HK$1,929/mo
Today · 4.125%
HK$74,734
baseline
▲ 0.50% · 4.625%
HK$78,674
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,468/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,481
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,860
−HK$2,417/mo
Today · 4.125%
HK$81,277
baseline
▲ 0.50% · 4.625%
HK$86,222
+HK$4,945/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,554/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,084
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,366
−HK$2,315/mo
Today · 4.125%
HK$89,681
baseline
▲ 0.50% · 4.625%
HK$94,408
+HK$4,727/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,362/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,228
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,003
−HK$2,820/mo
Today · 4.125%
HK$94,823
baseline
▲ 0.50% · 4.625%
HK$100,593
+HK$5,770/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,646/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,265
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,927
−HK$2,701/mo
Today · 4.125%
HK$104,628
baseline
▲ 0.50% · 4.625%
HK$110,143
+HK$5,515/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,256/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,721
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,290
−HK$3,625/mo
Today · 4.125%
HK$121,915
baseline
▲ 0.50% · 4.625%
HK$129,334
+HK$7,419/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,830/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,626
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,049
−HK$3,473/mo
Today · 4.125%
HK$134,522
baseline
▲ 0.50% · 4.625%
HK$141,612
+HK$7,090/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,044/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,892 · Scale 2, in force from 26 Feb 2026)