LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,860
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,816
−HK$1,986/mo
Today · 4.125%
HK$66,802
baseline
▲ 0.50% · 4.625%
HK$70,867
+HK$4,065/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,604/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,931
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,807
−HK$1,903/mo
Today · 4.125%
HK$73,710
baseline
▲ 0.50% · 4.625%
HK$77,595
+HK$3,885/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,420/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,432
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,779
−HK$2,384/mo
Today · 4.125%
HK$80,163
baseline
▲ 0.50% · 4.625%
HK$85,040
+HK$4,877/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,326/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,918
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,168
−HK$2,283/mo
Today · 4.125%
HK$88,451
baseline
▲ 0.50% · 4.625%
HK$93,114
+HK$4,663/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,902/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,004
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,742
−HK$2,781/mo
Today · 4.125%
HK$93,523
baseline
▲ 0.50% · 4.625%
HK$99,214
+HK$5,691/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,046/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,904
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,530
−HK$2,663/mo
Today · 4.125%
HK$103,193
baseline
▲ 0.50% · 4.625%
HK$108,633
+HK$5,440/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,386/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,148
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$116,668
−HK$3,576/mo
Today · 4.125%
HK$120,244
baseline
▲ 0.50% · 4.625%
HK$127,560
+HK$7,316/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$240,488/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,877
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,252
−HK$3,425/mo
Today · 4.125%
HK$132,677
baseline
▲ 0.50% · 4.625%
HK$139,671
+HK$6,994/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$265,354/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,606 · Scale 2, in force from 26 Feb 2026)