LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,792
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,776
−HK$2,016/mo
Today · 4.125%
HK$67,792
baseline
▲ 0.50% · 4.625%
HK$71,917
+HK$4,125/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,584/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,968
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$72,871
−HK$1,931/mo
Today · 4.125%
HK$74,802
baseline
▲ 0.50% · 4.625%
HK$78,745
+HK$3,943/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,604/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,550
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,931
−HK$2,420/mo
Today · 4.125%
HK$81,351
baseline
▲ 0.50% · 4.625%
HK$86,301
+HK$4,950/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,702/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,161
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,445
−HK$2,317/mo
Today · 4.125%
HK$89,762
baseline
▲ 0.50% · 4.625%
HK$94,494
+HK$4,732/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,524/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,309
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,087
−HK$2,822/mo
Today · 4.125%
HK$94,909
baseline
▲ 0.50% · 4.625%
HK$100,684
+HK$5,775/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,818/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,355
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,020
−HK$2,703/mo
Today · 4.125%
HK$104,723
baseline
▲ 0.50% · 4.625%
HK$110,243
+HK$5,520/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,446/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,825
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,397
−HK$3,629/mo
Today · 4.125%
HK$122,026
baseline
▲ 0.50% · 4.625%
HK$129,451
+HK$7,425/mo
Deposit HK$2.80M · loan HK$25.18M · min. income ≈ HK$244,052/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,742
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,168
−HK$3,476/mo
Today · 4.125%
HK$134,644
baseline
▲ 0.50% · 4.625%
HK$141,741
+HK$7,097/mo
Deposit HK$2.80M · loan HK$25.18M · min. income ≈ HK$269,288/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,971 · Scale 2, in force from 26 Feb 2026)