LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,847
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,802
−HK$1,986/mo
Today · 4.125%
HK$66,788
baseline
▲ 0.50% · 4.625%
HK$70,852
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,576/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,916
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,791
−HK$1,903/mo
Today · 4.125%
HK$73,694
baseline
▲ 0.50% · 4.625%
HK$77,578
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,388/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,416
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,762
−HK$2,383/mo
Today · 4.125%
HK$80,145
baseline
▲ 0.50% · 4.625%
HK$85,022
+HK$4,877/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$160,290/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,900
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,150
−HK$2,282/mo
Today · 4.125%
HK$88,432
baseline
▲ 0.50% · 4.625%
HK$93,094
+HK$4,662/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$176,864/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,985
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,722
−HK$2,781/mo
Today · 4.125%
HK$93,503
baseline
▲ 0.50% · 4.625%
HK$99,192
+HK$5,689/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$187,006/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,883
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,508
−HK$2,663/mo
Today · 4.125%
HK$103,171
baseline
▲ 0.50% · 4.625%
HK$108,610
+HK$5,439/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,342/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,124
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,643
−HK$3,575/mo
Today · 4.125%
HK$120,218
baseline
▲ 0.50% · 4.625%
HK$127,533
+HK$7,315/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$240,436/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,849
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,225
−HK$3,424/mo
Today · 4.125%
HK$132,649
baseline
▲ 0.50% · 4.625%
HK$139,641
+HK$6,992/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$265,298/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,354 · Scale 2, in force from 26 Feb 2026)