LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,772
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,983/mo
Today · 4.125%
HK$66,708
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$4,060/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,416/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,833
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,706
−HK$1,900/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$3,880/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,327
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,670
−HK$2,380/mo
Today · 4.125%
HK$80,050
baseline
▲ 0.50% · 4.625%
HK$84,921
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,100/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,047
−HK$2,280/mo
Today · 4.125%
HK$88,327
baseline
▲ 0.50% · 4.625%
HK$92,983
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,654/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,881
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,615
−HK$2,777/mo
Today · 4.125%
HK$93,392
baseline
▲ 0.50% · 4.625%
HK$99,075
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,784/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,767
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,389
−HK$2,660/mo
Today · 4.125%
HK$103,049
baseline
▲ 0.50% · 4.625%
HK$108,481
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,098/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,990
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,504
−HK$3,571/mo
Today · 4.125%
HK$120,075
baseline
▲ 0.50% · 4.625%
HK$127,382
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,150/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,700
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,071
−HK$3,420/mo
Today · 4.125%
HK$132,491
baseline
▲ 0.50% · 4.625%
HK$139,475
+HK$6,984/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$264,982/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,963 · Scale 2, in force from 26 Feb 2026)