LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,778
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,731
−HK$1,984/mo
Today · 4.125%
HK$66,715
baseline
▲ 0.50% · 4.625%
HK$70,775
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,430/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,840
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,713
−HK$1,900/mo
Today · 4.125%
HK$73,613
baseline
▲ 0.50% · 4.625%
HK$77,494
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,226/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,334
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,677
−HK$2,381/mo
Today · 4.125%
HK$80,058
baseline
▲ 0.50% · 4.625%
HK$84,929
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,116/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,808
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,056
−HK$2,280/mo
Today · 4.125%
HK$88,336
baseline
▲ 0.50% · 4.625%
HK$92,992
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,672/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,890
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,623
−HK$2,778/mo
Today · 4.125%
HK$93,401
baseline
▲ 0.50% · 4.625%
HK$99,084
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,802/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,776
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,399
−HK$2,660/mo
Today · 4.125%
HK$103,059
baseline
▲ 0.50% · 4.625%
HK$108,491
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,118/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,001
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,516
−HK$3,571/mo
Today · 4.125%
HK$120,087
baseline
▲ 0.50% · 4.625%
HK$127,394
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,174/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,712
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,084
−HK$3,420/mo
Today · 4.125%
HK$132,504
baseline
▲ 0.50% · 4.625%
HK$139,489
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,008/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,078 · Scale 2, in force from 26 Feb 2026)