LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,794
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,748
−HK$1,984/mo
Today · 4.125%
HK$66,732
baseline
▲ 0.50% · 4.625%
HK$70,793
+HK$4,061/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,464/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,858
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,732
−HK$1,900/mo
Today · 4.125%
HK$73,632
baseline
▲ 0.50% · 4.625%
HK$77,514
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,264/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,353
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,697
−HK$2,381/mo
Today · 4.125%
HK$80,078
baseline
▲ 0.50% · 4.625%
HK$84,951
+HK$4,873/mo
Deposit HK$11.02M · loan HK$16.52M · min. income ≈ HK$160,156/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,830
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,078
−HK$2,281/mo
Today · 4.125%
HK$88,359
baseline
▲ 0.50% · 4.625%
HK$93,016
+HK$4,657/mo
Deposit HK$11.02M · loan HK$16.52M · min. income ≈ HK$176,718/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,912
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,647
−HK$2,778/mo
Today · 4.125%
HK$93,425
baseline
▲ 0.50% · 4.625%
HK$99,110
+HK$5,685/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,850/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,801
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,424
−HK$2,661/mo
Today · 4.125%
HK$103,085
baseline
▲ 0.50% · 4.625%
HK$108,519
+HK$5,434/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,170/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,030
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,546
−HK$3,572/mo
Today · 4.125%
HK$120,118
baseline
▲ 0.50% · 4.625%
HK$127,427
+HK$7,309/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,236/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,744
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,117
−HK$3,421/mo
Today · 4.125%
HK$132,538
baseline
▲ 0.50% · 4.625%
HK$139,524
+HK$6,986/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,076/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,377 · Scale 2, in force from 26 Feb 2026)