LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,824
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,778
−HK$1,985/mo
Today · 4.125%
HK$66,763
baseline
▲ 0.50% · 4.625%
HK$70,826
+HK$4,063/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$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,891
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,765
−HK$1,902/mo
Today · 4.125%
HK$73,667
baseline
▲ 0.50% · 4.625%
HK$77,550
+HK$3,883/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,334/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,388
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,733
−HK$2,383/mo
Today · 4.125%
HK$80,116
baseline
▲ 0.50% · 4.625%
HK$84,991
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,232/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,869
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,118
−HK$2,282/mo
Today · 4.125%
HK$88,400
baseline
▲ 0.50% · 4.625%
HK$93,060
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,800/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,953
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,689
−HK$2,780/mo
Today · 4.125%
HK$93,469
baseline
▲ 0.50% · 4.625%
HK$99,156
+HK$5,687/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,938/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,847
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,471
−HK$2,662/mo
Today · 4.125%
HK$103,133
baseline
▲ 0.50% · 4.625%
HK$108,570
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,266/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,083
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,600
−HK$3,574/mo
Today · 4.125%
HK$120,174
baseline
▲ 0.50% · 4.625%
HK$127,486
+HK$7,312/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,348/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,803
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,177
−HK$3,423/mo
Today · 4.125%
HK$132,600
baseline
▲ 0.50% · 4.625%
HK$139,590
+HK$6,990/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,200/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,924 · Scale 2, in force from 26 Feb 2026)