LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,758
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,710
−HK$1,983/mo
Today · 4.125%
HK$66,693
baseline
▲ 0.50% · 4.625%
HK$70,752
+HK$4,059/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,386/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,818
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,690
−HK$1,900/mo
Today · 4.125%
HK$73,590
baseline
▲ 0.50% · 4.625%
HK$77,469
+HK$3,879/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,180/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,309
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,652
−HK$2,380/mo
Today · 4.125%
HK$80,032
baseline
▲ 0.50% · 4.625%
HK$84,902
+HK$4,870/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,064/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,781
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,028
−HK$2,279/mo
Today · 4.125%
HK$88,307
baseline
▲ 0.50% · 4.625%
HK$92,962
+HK$4,655/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,614/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,861
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,594
−HK$2,777/mo
Today · 4.125%
HK$93,371
baseline
▲ 0.50% · 4.625%
HK$99,052
+HK$5,681/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,742/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,745
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,366
−HK$2,659/mo
Today · 4.125%
HK$103,025
baseline
▲ 0.50% · 4.625%
HK$108,456
+HK$5,431/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,050/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,964
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,478
−HK$3,570/mo
Today · 4.125%
HK$120,048
baseline
▲ 0.50% · 4.625%
HK$127,353
+HK$7,305/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$240,096/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,672
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,042
−HK$3,419/mo
Today · 4.125%
HK$132,461
baseline
▲ 0.50% · 4.625%
HK$139,443
+HK$6,982/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$264,922/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,698 · Scale 2, in force from 26 Feb 2026)