LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,816
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,770
−HK$1,985/mo
Today · 4.125%
HK$66,755
baseline
▲ 0.50% · 4.625%
HK$70,817
+HK$4,062/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,510/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,882
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,756
−HK$1,902/mo
Today · 4.125%
HK$73,658
baseline
▲ 0.50% · 4.625%
HK$77,540
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,316/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,379
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,724
−HK$2,382/mo
Today · 4.125%
HK$80,106
baseline
▲ 0.50% · 4.625%
HK$84,980
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,212/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,859
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,108
−HK$2,281/mo
Today · 4.125%
HK$88,389
baseline
▲ 0.50% · 4.625%
HK$93,048
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,778/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,942
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,678
−HK$2,779/mo
Today · 4.125%
HK$93,457
baseline
▲ 0.50% · 4.625%
HK$99,144
+HK$5,687/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,914/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,835
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,459
−HK$2,662/mo
Today · 4.125%
HK$103,121
baseline
▲ 0.50% · 4.625%
HK$108,556
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,242/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,069
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,586
−HK$3,573/mo
Today · 4.125%
HK$120,159
baseline
▲ 0.50% · 4.625%
HK$127,471
+HK$7,312/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,318/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,788
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,162
−HK$3,422/mo
Today · 4.125%
HK$132,584
baseline
▲ 0.50% · 4.625%
HK$139,573
+HK$6,989/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,168/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,782 · Scale 2, in force from 26 Feb 2026)