LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,780
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,984/mo
Today · 4.125%
HK$66,717
baseline
▲ 0.50% · 4.625%
HK$70,776
+HK$4,059/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,434/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,842
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,715
−HK$1,900/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$77,496
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,336
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,679
−HK$2,381/mo
Today · 4.125%
HK$80,060
baseline
▲ 0.50% · 4.625%
HK$84,932
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,120/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,058
−HK$2,281/mo
Today · 4.125%
HK$88,339
baseline
▲ 0.50% · 4.625%
HK$92,995
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,678/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,892
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,626
−HK$2,778/mo
Today · 4.125%
HK$93,404
baseline
▲ 0.50% · 4.625%
HK$99,087
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,808/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,779
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,401
−HK$2,661/mo
Today · 4.125%
HK$103,062
baseline
▲ 0.50% · 4.625%
HK$108,494
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,124/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,004
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,519
−HK$3,571/mo
Today · 4.125%
HK$120,090
baseline
▲ 0.50% · 4.625%
HK$127,397
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,180/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,716
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,087
−HK$3,421/mo
Today · 4.125%
HK$132,508
baseline
▲ 0.50% · 4.625%
HK$139,492
+HK$6,984/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,016/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,109 · Scale 2, in force from 26 Feb 2026)