LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,819
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,773
−HK$1,985/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$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,885
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,760
−HK$1,901/mo
Today · 4.125%
HK$73,661
baseline
▲ 0.50% · 4.625%
HK$77,544
+HK$3,883/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,322/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,383
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,728
−HK$2,382/mo
Today · 4.125%
HK$80,110
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,220/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,863
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,112
−HK$2,281/mo
Today · 4.125%
HK$88,393
baseline
▲ 0.50% · 4.625%
HK$93,053
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,786/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,947
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,682
−HK$2,780/mo
Today · 4.125%
HK$93,462
baseline
▲ 0.50% · 4.625%
HK$99,149
+HK$5,687/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,924/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,840
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,464
−HK$2,662/mo
Today · 4.125%
HK$103,126
baseline
▲ 0.50% · 4.625%
HK$108,562
+HK$5,436/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,252/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,074
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,591
−HK$3,574/mo
Today · 4.125%
HK$120,165
baseline
▲ 0.50% · 4.625%
HK$127,477
+HK$7,312/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,330/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,794
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,168
−HK$3,422/mo
Today · 4.125%
HK$132,590
baseline
▲ 0.50% · 4.625%
HK$139,579
+HK$6,989/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,180/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,836 · Scale 2, in force from 26 Feb 2026)