LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,923
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,880
−HK$1,989/mo
Today · 4.125%
HK$66,869
baseline
▲ 0.50% · 4.625%
HK$70,937
+HK$4,068/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,738/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,001
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,878
−HK$1,905/mo
Today · 4.125%
HK$73,783
baseline
▲ 0.50% · 4.625%
HK$77,672
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,566/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,507
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,856
−HK$2,386/mo
Today · 4.125%
HK$80,242
baseline
▲ 0.50% · 4.625%
HK$85,125
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,484/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,001
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,254
−HK$2,285/mo
Today · 4.125%
HK$88,539
baseline
▲ 0.50% · 4.625%
HK$93,206
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,078/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,092
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,832
−HK$2,784/mo
Today · 4.125%
HK$93,616
baseline
▲ 0.50% · 4.625%
HK$99,312
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,232/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,001
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,630
−HK$2,666/mo
Today · 4.125%
HK$103,296
baseline
▲ 0.50% · 4.625%
HK$108,741
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,592/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,261
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,784
−HK$3,579/mo
Today · 4.125%
HK$120,363
baseline
▲ 0.50% · 4.625%
HK$127,687
+HK$7,324/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,726/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,002
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,381
−HK$3,428/mo
Today · 4.125%
HK$132,809
baseline
▲ 0.50% · 4.625%
HK$139,810
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,618/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,771 · Scale 2, in force from 26 Feb 2026)