LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,902
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,858
−HK$1,988/mo
Today · 4.125%
HK$66,846
baseline
▲ 0.50% · 4.625%
HK$70,914
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,692/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,978
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,854
−HK$1,904/mo
Today · 4.125%
HK$73,758
baseline
▲ 0.50% · 4.625%
HK$77,646
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,516/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,482
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,830
−HK$2,385/mo
Today · 4.125%
HK$80,215
baseline
▲ 0.50% · 4.625%
HK$85,096
+HK$4,881/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,430/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,973
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,225
−HK$2,285/mo
Today · 4.125%
HK$88,510
baseline
▲ 0.50% · 4.625%
HK$93,175
+HK$4,665/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$177,020/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,062
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,802
−HK$2,783/mo
Today · 4.125%
HK$93,585
baseline
▲ 0.50% · 4.625%
HK$99,279
+HK$5,694/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,170/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,969
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,596
−HK$2,666/mo
Today · 4.125%
HK$103,262
baseline
▲ 0.50% · 4.625%
HK$108,705
+HK$5,443/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,524/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,223
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,745
−HK$3,578/mo
Today · 4.125%
HK$120,323
baseline
▲ 0.50% · 4.625%
HK$127,645
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,646/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,960
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,338
−HK$3,427/mo
Today · 4.125%
HK$132,765
baseline
▲ 0.50% · 4.625%
HK$139,763
+HK$6,998/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,530/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,379 · Scale 2, in force from 26 Feb 2026)