LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,877
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,833
−HK$1,987/mo
Today · 4.125%
HK$66,820
baseline
▲ 0.50% · 4.625%
HK$70,886
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,640/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,950
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,826
−HK$1,904/mo
Today · 4.125%
HK$73,730
baseline
▲ 0.50% · 4.625%
HK$77,616
+HK$3,886/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,460/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,453
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,800
−HK$2,384/mo
Today · 4.125%
HK$80,184
baseline
▲ 0.50% · 4.625%
HK$85,063
+HK$4,879/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,368/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,940
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,192
−HK$2,284/mo
Today · 4.125%
HK$88,476
baseline
▲ 0.50% · 4.625%
HK$93,139
+HK$4,663/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,952/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,028
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,766
−HK$2,782/mo
Today · 4.125%
HK$93,548
baseline
▲ 0.50% · 4.625%
HK$99,241
+HK$5,693/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,096/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,931
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,557
−HK$2,664/mo
Today · 4.125%
HK$103,221
baseline
▲ 0.50% · 4.625%
HK$108,662
+HK$5,441/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,442/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,179
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,700
−HK$3,577/mo
Today · 4.125%
HK$120,277
baseline
▲ 0.50% · 4.625%
HK$127,595
+HK$7,318/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,554/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,911
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,288
−HK$3,425/mo
Today · 4.125%
HK$132,713
baseline
▲ 0.50% · 4.625%
HK$139,709
+HK$6,996/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,426/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,924 · Scale 2, in force from 26 Feb 2026)