LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,823
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,777
−HK$1,986/mo
Today · 4.125%
HK$66,763
baseline
▲ 0.50% · 4.625%
HK$70,825
+HK$4,062/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,526/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,890
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,764
−HK$1,902/mo
Today · 4.125%
HK$73,666
baseline
▲ 0.50% · 4.625%
HK$77,549
+HK$3,883/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,332/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,388
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,382/mo
Today · 4.125%
HK$80,115
baseline
▲ 0.50% · 4.625%
HK$84,990
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,230/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,868
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,117
−HK$2,282/mo
Today · 4.125%
HK$88,399
baseline
▲ 0.50% · 4.625%
HK$93,059
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,798/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,952
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,688
−HK$2,780/mo
Today · 4.125%
HK$93,468
baseline
▲ 0.50% · 4.625%
HK$99,155
+HK$5,687/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,936/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,846
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,470
−HK$2,662/mo
Today · 4.125%
HK$103,132
baseline
▲ 0.50% · 4.625%
HK$108,569
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,264/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,082
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,599
−HK$3,574/mo
Today · 4.125%
HK$120,173
baseline
▲ 0.50% · 4.625%
HK$127,485
+HK$7,312/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,346/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,802
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,176
−HK$3,423/mo
Today · 4.125%
HK$132,599
baseline
▲ 0.50% · 4.625%
HK$139,588
+HK$6,989/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,198/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,913 · Scale 2, in force from 26 Feb 2026)