LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,783
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,985/mo
Today · 4.125%
HK$66,721
baseline
▲ 0.50% · 4.625%
HK$70,780
+HK$4,059/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,442/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,846
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$1,901/mo
Today · 4.125%
HK$73,620
baseline
▲ 0.50% · 4.625%
HK$77,500
+HK$3,880/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,240/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,340
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,381/mo
Today · 4.125%
HK$80,065
baseline
▲ 0.50% · 4.625%
HK$84,936
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,130/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,815
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,063
−HK$2,280/mo
Today · 4.125%
HK$88,343
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$4,657/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$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,897
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,631
−HK$2,778/mo
Today · 4.125%
HK$93,409
baseline
▲ 0.50% · 4.625%
HK$99,092
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,818/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,784
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,407
−HK$2,660/mo
Today · 4.125%
HK$103,067
baseline
▲ 0.50% · 4.625%
HK$108,500
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,134/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,010
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,526
−HK$3,571/mo
Today · 4.125%
HK$120,097
baseline
▲ 0.50% · 4.625%
HK$127,405
+HK$7,308/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,194/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,723
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,095
−HK$3,420/mo
Today · 4.125%
HK$132,515
baseline
▲ 0.50% · 4.625%
HK$139,500
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,030/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,175 · Scale 2, in force from 26 Feb 2026)