LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,852
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,807
−HK$1,987/mo
Today · 4.125%
HK$66,794
baseline
▲ 0.50% · 4.625%
HK$70,858
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,588/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,922
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,798
−HK$1,902/mo
Today · 4.125%
HK$73,700
baseline
▲ 0.50% · 4.625%
HK$77,585
+HK$3,885/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,400/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,423
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,769
−HK$2,383/mo
Today · 4.125%
HK$80,152
baseline
▲ 0.50% · 4.625%
HK$85,029
+HK$4,877/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,304/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,907
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,157
−HK$2,283/mo
Today · 4.125%
HK$88,440
baseline
▲ 0.50% · 4.625%
HK$93,102
+HK$4,662/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,880/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,993
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,730
−HK$2,781/mo
Today · 4.125%
HK$93,511
baseline
▲ 0.50% · 4.625%
HK$99,201
+HK$5,690/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$187,022/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,891
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,517
−HK$2,663/mo
Today · 4.125%
HK$103,180
baseline
▲ 0.50% · 4.625%
HK$108,619
+HK$5,439/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,360/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,134
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,653
−HK$3,575/mo
Today · 4.125%
HK$120,228
baseline
▲ 0.50% · 4.625%
HK$127,544
+HK$7,316/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$240,456/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,860
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,236
−HK$3,424/mo
Today · 4.125%
HK$132,660
baseline
▲ 0.50% · 4.625%
HK$139,653
+HK$6,993/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$265,320/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,455 · Scale 2, in force from 26 Feb 2026)