LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,783
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,984/mo
Today · 4.125%
HK$66,720
baseline
▲ 0.50% · 4.625%
HK$70,780
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,440/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,845
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$1,900/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$77,499
+HK$3,880/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,339
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,683
−HK$2,381/mo
Today · 4.125%
HK$80,064
baseline
▲ 0.50% · 4.625%
HK$84,936
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,128/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,814
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,062
−HK$2,281/mo
Today · 4.125%
HK$88,343
baseline
▲ 0.50% · 4.625%
HK$92,999
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,686/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,896
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,630
−HK$2,778/mo
Today · 4.125%
HK$93,408
baseline
▲ 0.50% · 4.625%
HK$99,092
+HK$5,684/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,816/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,783
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,406
−HK$2,660/mo
Today · 4.125%
HK$103,066
baseline
▲ 0.50% · 4.625%
HK$108,499
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,132/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,009
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,524
−HK$3,572/mo
Today · 4.125%
HK$120,096
baseline
▲ 0.50% · 4.625%
HK$127,403
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,192/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,722
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,093
−HK$3,421/mo
Today · 4.125%
HK$132,514
baseline
▲ 0.50% · 4.625%
HK$139,499
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,028/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,164 · Scale 2, in force from 26 Feb 2026)