LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,835
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,789
−HK$1,986/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,838
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,903
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,778
−HK$1,902/mo
Today · 4.125%
HK$73,680
baseline
▲ 0.50% · 4.625%
HK$77,563
+HK$3,883/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,360/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,402
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,747
−HK$2,383/mo
Today · 4.125%
HK$80,130
baseline
▲ 0.50% · 4.625%
HK$85,006
+HK$4,876/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,260/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,883
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,133
−HK$2,282/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,076
+HK$4,661/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$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,968
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,705
−HK$2,780/mo
Today · 4.125%
HK$93,485
baseline
▲ 0.50% · 4.625%
HK$99,173
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,970/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,864
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,489
−HK$2,662/mo
Today · 4.125%
HK$103,151
baseline
▲ 0.50% · 4.625%
HK$108,589
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,302/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,102
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,620
−HK$3,575/mo
Today · 4.125%
HK$120,195
baseline
▲ 0.50% · 4.625%
HK$127,508
+HK$7,313/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,390/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,825
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,200
−HK$3,423/mo
Today · 4.125%
HK$132,623
baseline
▲ 0.50% · 4.625%
HK$139,614
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,246/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,128 · Scale 2, in force from 26 Feb 2026)