LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,844
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,799
−HK$1,986/mo
Today · 4.125%
HK$66,785
baseline
▲ 0.50% · 4.625%
HK$70,849
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,570/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,914
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,789
−HK$1,902/mo
Today · 4.125%
HK$73,691
baseline
▲ 0.50% · 4.625%
HK$77,575
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,382/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,413
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,759
−HK$2,383/mo
Today · 4.125%
HK$80,142
baseline
▲ 0.50% · 4.625%
HK$85,019
+HK$4,877/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$160,284/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,896
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,146
−HK$2,283/mo
Today · 4.125%
HK$88,429
baseline
▲ 0.50% · 4.625%
HK$93,090
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$176,858/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,982
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,719
−HK$2,780/mo
Today · 4.125%
HK$93,499
baseline
▲ 0.50% · 4.625%
HK$99,189
+HK$5,690/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,998/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,879
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,504
−HK$2,663/mo
Today · 4.125%
HK$103,167
baseline
▲ 0.50% · 4.625%
HK$108,605
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,334/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,120
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,638
−HK$3,575/mo
Today · 4.125%
HK$120,213
baseline
▲ 0.50% · 4.625%
HK$127,528
+HK$7,315/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,426/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,845
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,220
−HK$3,424/mo
Today · 4.125%
HK$132,644
baseline
▲ 0.50% · 4.625%
HK$139,635
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,288/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,309 · Scale 2, in force from 26 Feb 2026)