LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,802
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,985/mo
Today · 4.125%
HK$66,741
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$4,061/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,482/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,867
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,741
−HK$1,901/mo
Today · 4.125%
HK$73,642
baseline
▲ 0.50% · 4.625%
HK$77,523
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,284/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,363
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,707
−HK$2,382/mo
Today · 4.125%
HK$80,089
baseline
▲ 0.50% · 4.625%
HK$84,962
+HK$4,873/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,178/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,840
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,089
−HK$2,281/mo
Today · 4.125%
HK$88,370
baseline
▲ 0.50% · 4.625%
HK$93,028
+HK$4,658/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,740/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,923
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,658
−HK$2,779/mo
Today · 4.125%
HK$93,437
baseline
▲ 0.50% · 4.625%
HK$99,122
+HK$5,685/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,874/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,814
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,437
−HK$2,661/mo
Today · 4.125%
HK$103,098
baseline
▲ 0.50% · 4.625%
HK$108,533
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,196/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,044
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,560
−HK$3,573/mo
Today · 4.125%
HK$120,133
baseline
▲ 0.50% · 4.625%
HK$127,443
+HK$7,310/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,266/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,760
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,133
−HK$3,422/mo
Today · 4.125%
HK$132,555
baseline
▲ 0.50% · 4.625%
HK$139,542
+HK$6,987/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,110/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,525 · Scale 2, in force from 26 Feb 2026)