LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,820
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,775
−HK$1,985/mo
Today · 4.125%
HK$66,760
baseline
▲ 0.50% · 4.625%
HK$70,822
+HK$4,062/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,520/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,887
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,762
−HK$1,901/mo
Today · 4.125%
HK$73,663
baseline
▲ 0.50% · 4.625%
HK$77,546
+HK$3,883/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,326/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,385
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,729
−HK$2,383/mo
Today · 4.125%
HK$80,112
baseline
▲ 0.50% · 4.625%
HK$84,986
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,224/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,865
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,114
−HK$2,282/mo
Today · 4.125%
HK$88,396
baseline
▲ 0.50% · 4.625%
HK$93,055
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,792/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,949
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,684
−HK$2,780/mo
Today · 4.125%
HK$93,464
baseline
▲ 0.50% · 4.625%
HK$99,151
+HK$5,687/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,928/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,842
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,466
−HK$2,662/mo
Today · 4.125%
HK$103,128
baseline
▲ 0.50% · 4.625%
HK$108,564
+HK$5,436/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,256/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,077
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,594
−HK$3,574/mo
Today · 4.125%
HK$120,168
baseline
▲ 0.50% · 4.625%
HK$127,480
+HK$7,312/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,336/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,797
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,171
−HK$3,422/mo
Today · 4.125%
HK$132,593
baseline
▲ 0.50% · 4.625%
HK$139,583
+HK$6,990/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,186/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,865 · Scale 2, in force from 26 Feb 2026)