LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,770
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$2,016/mo
Today · 4.125%
HK$67,769
baseline
▲ 0.50% · 4.625%
HK$71,892
+HK$4,123/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,538/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,943
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,846
−HK$1,930/mo
Today · 4.125%
HK$74,776
baseline
▲ 0.50% · 4.625%
HK$78,718
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,552/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,524
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,904
−HK$2,418/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$86,271
+HK$4,949/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,132
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,415
−HK$2,316/mo
Today · 4.125%
HK$89,731
baseline
▲ 0.50% · 4.625%
HK$94,461
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,462/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,278
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,055
−HK$2,821/mo
Today · 4.125%
HK$94,876
baseline
▲ 0.50% · 4.625%
HK$100,649
+HK$5,773/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,752/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,321
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,984
−HK$2,703/mo
Today · 4.125%
HK$104,687
baseline
▲ 0.50% · 4.625%
HK$110,205
+HK$5,518/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,374/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,786
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,356
−HK$3,628/mo
Today · 4.125%
HK$121,984
baseline
▲ 0.50% · 4.625%
HK$129,406
+HK$7,422/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,968/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,698
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,123
−HK$3,474/mo
Today · 4.125%
HK$134,597
baseline
▲ 0.50% · 4.625%
HK$141,692
+HK$7,095/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,194/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,558 · Scale 2, in force from 26 Feb 2026)