LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,820
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,774
−HK$1,985/mo
Today · 4.125%
HK$66,759
baseline
▲ 0.50% · 4.625%
HK$70,821
+HK$4,062/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,518/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,886
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,761
−HK$1,901/mo
Today · 4.125%
HK$73,662
baseline
▲ 0.50% · 4.625%
HK$77,545
+HK$3,883/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,324/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,384
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,729
−HK$2,382/mo
Today · 4.125%
HK$80,111
baseline
▲ 0.50% · 4.625%
HK$84,985
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,222/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,864
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,113
−HK$2,281/mo
Today · 4.125%
HK$88,394
baseline
▲ 0.50% · 4.625%
HK$93,054
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,788/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,948
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,683
−HK$2,780/mo
Today · 4.125%
HK$93,463
baseline
▲ 0.50% · 4.625%
HK$99,150
+HK$5,687/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,926/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,841
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,465
−HK$2,662/mo
Today · 4.125%
HK$103,127
baseline
▲ 0.50% · 4.625%
HK$108,563
+HK$5,436/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,254/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,075
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,593
−HK$3,573/mo
Today · 4.125%
HK$120,166
baseline
▲ 0.50% · 4.625%
HK$127,478
+HK$7,312/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,332/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,795
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,169
−HK$3,423/mo
Today · 4.125%
HK$132,592
baseline
▲ 0.50% · 4.625%
HK$139,581
+HK$6,989/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,184/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,850 · Scale 2, in force from 26 Feb 2026)