LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,818
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,986/mo
Today · 4.125%
HK$66,758
baseline
▲ 0.50% · 4.625%
HK$70,820
+HK$4,062/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,516/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,885
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,759
−HK$1,901/mo
Today · 4.125%
HK$73,660
baseline
▲ 0.50% · 4.625%
HK$77,543
+HK$3,883/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,320/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,382
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,727
−HK$2,382/mo
Today · 4.125%
HK$80,109
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,218/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,862
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,111
−HK$2,281/mo
Today · 4.125%
HK$88,392
baseline
▲ 0.50% · 4.625%
HK$93,052
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,784/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,946
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,681
−HK$2,780/mo
Today · 4.125%
HK$93,461
baseline
▲ 0.50% · 4.625%
HK$99,147
+HK$5,686/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,922/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,839
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,463
−HK$2,662/mo
Today · 4.125%
HK$103,125
baseline
▲ 0.50% · 4.625%
HK$108,560
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,250/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,073
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,590
−HK$3,574/mo
Today · 4.125%
HK$120,164
baseline
▲ 0.50% · 4.625%
HK$127,475
+HK$7,311/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,328/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,793
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,166
−HK$3,423/mo
Today · 4.125%
HK$132,589
baseline
▲ 0.50% · 4.625%
HK$139,578
+HK$6,989/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,178/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,824 · Scale 2, in force from 26 Feb 2026)