LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,912
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,869
−HK$1,989/mo
Today · 4.125%
HK$66,858
baseline
▲ 0.50% · 4.625%
HK$70,926
+HK$4,068/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,716/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,989
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,866
−HK$1,905/mo
Today · 4.125%
HK$73,771
baseline
▲ 0.50% · 4.625%
HK$77,659
+HK$3,888/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,542/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,495
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,843
−HK$2,386/mo
Today · 4.125%
HK$80,229
baseline
▲ 0.50% · 4.625%
HK$85,111
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,458/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,987
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,240
−HK$2,285/mo
Today · 4.125%
HK$88,525
baseline
▲ 0.50% · 4.625%
HK$93,191
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,050/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,077
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,817
−HK$2,784/mo
Today · 4.125%
HK$93,601
baseline
▲ 0.50% · 4.625%
HK$99,296
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,202/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,985
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,613
−HK$2,666/mo
Today · 4.125%
HK$103,279
baseline
▲ 0.50% · 4.625%
HK$108,723
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,558/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,242
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,765
−HK$3,579/mo
Today · 4.125%
HK$120,344
baseline
▲ 0.50% · 4.625%
HK$127,666
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,688/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,981
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,360
−HK$3,427/mo
Today · 4.125%
HK$132,787
baseline
▲ 0.50% · 4.625%
HK$139,787
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,574/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,577 · Scale 2, in force from 26 Feb 2026)