LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,748
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,700
−HK$1,983/mo
Today · 4.125%
HK$66,683
baseline
▲ 0.50% · 4.625%
HK$70,740
+HK$4,057/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,366/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,807
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,679
−HK$1,899/mo
Today · 4.125%
HK$73,578
baseline
▲ 0.50% · 4.625%
HK$77,456
+HK$3,878/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,156/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,298
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,640
−HK$2,379/mo
Today · 4.125%
HK$80,019
baseline
▲ 0.50% · 4.625%
HK$84,888
+HK$4,869/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,038/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,768
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,014
−HK$2,280/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$92,948
+HK$4,654/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,847
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,580
−HK$2,776/mo
Today · 4.125%
HK$93,356
baseline
▲ 0.50% · 4.625%
HK$99,037
+HK$5,681/mo
Deposit HK$8.26M · loan HK$19.26M · min. income ≈ HK$186,712/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,729
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,350
−HK$2,659/mo
Today · 4.125%
HK$103,009
baseline
▲ 0.50% · 4.625%
HK$108,439
+HK$5,430/mo
Deposit HK$8.26M · loan HK$19.26M · min. income ≈ HK$206,018/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,946
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,460
−HK$3,569/mo
Today · 4.125%
HK$120,029
baseline
▲ 0.50% · 4.625%
HK$127,333
+HK$7,304/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$240,058/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,652
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$129,022
−HK$3,418/mo
Today · 4.125%
HK$132,440
baseline
▲ 0.50% · 4.625%
HK$139,421
+HK$6,981/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$264,880/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,514 · Scale 2, in force from 26 Feb 2026)