LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,806
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,760
−HK$1,984/mo
Today · 4.125%
HK$66,744
baseline
▲ 0.50% · 4.625%
HK$70,806
+HK$4,062/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,488/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,871
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,745
−HK$1,901/mo
Today · 4.125%
HK$73,646
baseline
▲ 0.50% · 4.625%
HK$77,528
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,292/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,367
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,712
−HK$2,381/mo
Today · 4.125%
HK$80,093
baseline
▲ 0.50% · 4.625%
HK$84,967
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,186/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,845
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,094
−HK$2,281/mo
Today · 4.125%
HK$88,375
baseline
▲ 0.50% · 4.625%
HK$93,034
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,750/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,928
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,663
−HK$2,779/mo
Today · 4.125%
HK$93,442
baseline
▲ 0.50% · 4.625%
HK$99,128
+HK$5,686/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,884/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,819
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,443
−HK$2,661/mo
Today · 4.125%
HK$103,104
baseline
▲ 0.50% · 4.625%
HK$108,539
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,208/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,051
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,567
−HK$3,573/mo
Today · 4.125%
HK$120,140
baseline
▲ 0.50% · 4.625%
HK$127,450
+HK$7,310/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,280/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,768
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,141
−HK$3,422/mo
Today · 4.125%
HK$132,563
baseline
▲ 0.50% · 4.625%
HK$139,550
+HK$6,987/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,126/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,595 · Scale 2, in force from 26 Feb 2026)