LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,774
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,727
−HK$1,984/mo
Today · 4.125%
HK$66,711
baseline
▲ 0.50% · 4.625%
HK$70,770
+HK$4,059/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,422/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,836
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,709
−HK$1,900/mo
Today · 4.125%
HK$73,609
baseline
▲ 0.50% · 4.625%
HK$77,489
+HK$3,880/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,218/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,329
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,672
−HK$2,381/mo
Today · 4.125%
HK$80,053
baseline
▲ 0.50% · 4.625%
HK$84,924
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,106/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,803
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,051
−HK$2,280/mo
Today · 4.125%
HK$88,331
baseline
▲ 0.50% · 4.625%
HK$92,987
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,662/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,884
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,618
−HK$2,777/mo
Today · 4.125%
HK$93,395
baseline
▲ 0.50% · 4.625%
HK$99,078
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,790/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,770
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,392
−HK$2,660/mo
Today · 4.125%
HK$103,052
baseline
▲ 0.50% · 4.625%
HK$108,484
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,104/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,994
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,509
−HK$3,570/mo
Today · 4.125%
HK$120,079
baseline
▲ 0.50% · 4.625%
HK$127,386
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,158/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,704
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,076
−HK$3,420/mo
Today · 4.125%
HK$132,496
baseline
▲ 0.50% · 4.625%
HK$139,480
+HK$6,984/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$264,992/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,004 · Scale 2, in force from 26 Feb 2026)