LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,821
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,776
−HK$1,985/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,823
+HK$4,062/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,888
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,763
−HK$1,901/mo
Today · 4.125%
HK$73,664
baseline
▲ 0.50% · 4.625%
HK$77,547
+HK$3,883/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,328/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,386
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,731
−HK$2,382/mo
Today · 4.125%
HK$80,113
baseline
▲ 0.50% · 4.625%
HK$84,988
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,226/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,866
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,115
−HK$2,282/mo
Today · 4.125%
HK$88,397
baseline
▲ 0.50% · 4.625%
HK$93,056
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,794/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,950
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,686
−HK$2,779/mo
Today · 4.125%
HK$93,465
baseline
▲ 0.50% · 4.625%
HK$99,152
+HK$5,687/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,930/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,844
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,468
−HK$2,662/mo
Today · 4.125%
HK$103,130
baseline
▲ 0.50% · 4.625%
HK$108,566
+HK$5,436/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,260/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,079
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,596
−HK$3,574/mo
Today · 4.125%
HK$120,170
baseline
▲ 0.50% · 4.625%
HK$127,482
+HK$7,312/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,340/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,799
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,173
−HK$3,422/mo
Today · 4.125%
HK$132,595
baseline
▲ 0.50% · 4.625%
HK$139,585
+HK$6,990/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,190/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,883 · Scale 2, in force from 26 Feb 2026)