LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,910
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,867
−HK$1,988/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,923
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,987
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,864
−HK$1,904/mo
Today · 4.125%
HK$73,768
baseline
▲ 0.50% · 4.625%
HK$77,657
+HK$3,889/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,536/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,492
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,840
−HK$2,386/mo
Today · 4.125%
HK$80,226
baseline
▲ 0.50% · 4.625%
HK$85,108
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,452/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,984
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,237
−HK$2,285/mo
Today · 4.125%
HK$88,522
baseline
▲ 0.50% · 4.625%
HK$93,188
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,044/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,074
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,814
−HK$2,783/mo
Today · 4.125%
HK$93,597
baseline
▲ 0.50% · 4.625%
HK$99,292
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,194/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,982
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,610
−HK$2,665/mo
Today · 4.125%
HK$103,275
baseline
▲ 0.50% · 4.625%
HK$108,719
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,550/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,238
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,761
−HK$3,578/mo
Today · 4.125%
HK$120,339
baseline
▲ 0.50% · 4.625%
HK$127,662
+HK$7,323/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,678/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,977
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,355
−HK$3,428/mo
Today · 4.125%
HK$132,783
baseline
▲ 0.50% · 4.625%
HK$139,782
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,566/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,537 · Scale 2, in force from 26 Feb 2026)