LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,800
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,753
−HK$1,985/mo
Today · 4.125%
HK$66,738
baseline
▲ 0.50% · 4.625%
HK$70,799
+HK$4,061/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,476/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,864
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,738
−HK$1,901/mo
Today · 4.125%
HK$73,639
baseline
▲ 0.50% · 4.625%
HK$77,521
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,278/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,360
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,704
−HK$2,382/mo
Today · 4.125%
HK$80,086
baseline
▲ 0.50% · 4.625%
HK$84,959
+HK$4,873/mo
Deposit HK$11.02M · loan HK$16.52M · min. income ≈ HK$160,172/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,837
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,086
−HK$2,281/mo
Today · 4.125%
HK$88,367
baseline
▲ 0.50% · 4.625%
HK$93,025
+HK$4,658/mo
Deposit HK$11.02M · loan HK$16.52M · min. income ≈ HK$176,734/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,920
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,655
−HK$2,778/mo
Today · 4.125%
HK$93,433
baseline
▲ 0.50% · 4.625%
HK$99,119
+HK$5,686/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,866/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,810
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,433
−HK$2,661/mo
Today · 4.125%
HK$103,094
baseline
▲ 0.50% · 4.625%
HK$108,529
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,188/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,040
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,556
−HK$3,573/mo
Today · 4.125%
HK$120,129
baseline
▲ 0.50% · 4.625%
HK$127,438
+HK$7,309/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,258/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,756
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,129
−HK$3,421/mo
Today · 4.125%
HK$132,550
baseline
▲ 0.50% · 4.625%
HK$139,537
+HK$6,987/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,100/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,483 · Scale 2, in force from 26 Feb 2026)