LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,834
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,789
−HK$1,985/mo
Today · 4.125%
HK$66,774
baseline
▲ 0.50% · 4.625%
HK$70,837
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,548/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,902
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,777
−HK$1,902/mo
Today · 4.125%
HK$73,679
baseline
▲ 0.50% · 4.625%
HK$77,563
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,358/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,401
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,746
−HK$2,383/mo
Today · 4.125%
HK$80,129
baseline
▲ 0.50% · 4.625%
HK$85,005
+HK$4,876/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,258/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,883
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,132
−HK$2,283/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,075
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,830/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,968
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,704
−HK$2,780/mo
Today · 4.125%
HK$93,484
baseline
▲ 0.50% · 4.625%
HK$99,172
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,968/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,863
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,488
−HK$2,662/mo
Today · 4.125%
HK$103,150
baseline
▲ 0.50% · 4.625%
HK$108,588
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,300/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,101
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,619
−HK$3,575/mo
Today · 4.125%
HK$120,194
baseline
▲ 0.50% · 4.625%
HK$127,507
+HK$7,313/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,388/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,824
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,199
−HK$3,423/mo
Today · 4.125%
HK$132,622
baseline
▲ 0.50% · 4.625%
HK$139,613
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,244/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,118 · Scale 2, in force from 26 Feb 2026)