LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,787
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,740
−HK$1,984/mo
Today · 4.125%
HK$66,724
baseline
▲ 0.50% · 4.625%
HK$70,784
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,448/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,849
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,723
−HK$1,900/mo
Today · 4.125%
HK$73,623
baseline
▲ 0.50% · 4.625%
HK$77,504
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,246/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,344
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,687
−HK$2,382/mo
Today · 4.125%
HK$80,069
baseline
▲ 0.50% · 4.625%
HK$84,941
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,138/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,819
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,067
−HK$2,281/mo
Today · 4.125%
HK$88,348
baseline
▲ 0.50% · 4.625%
HK$93,005
+HK$4,657/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,696/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,901
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,635
−HK$2,778/mo
Today · 4.125%
HK$93,413
baseline
▲ 0.50% · 4.625%
HK$99,097
+HK$5,684/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,826/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,789
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,412
−HK$2,660/mo
Today · 4.125%
HK$103,072
baseline
▲ 0.50% · 4.625%
HK$108,505
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,144/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,016
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,531
−HK$3,572/mo
Today · 4.125%
HK$120,103
baseline
▲ 0.50% · 4.625%
HK$127,411
+HK$7,308/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,206/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,729
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,101
−HK$3,421/mo
Today · 4.125%
HK$132,522
baseline
▲ 0.50% · 4.625%
HK$139,507
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,044/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,231 · Scale 2, in force from 26 Feb 2026)