LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,924
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,882
−HK$1,988/mo
Today · 4.125%
HK$66,870
baseline
▲ 0.50% · 4.625%
HK$70,939
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,740/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,003
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$1,905/mo
Today · 4.125%
HK$73,785
baseline
▲ 0.50% · 4.625%
HK$77,674
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,570/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,509
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,858
−HK$2,386/mo
Today · 4.125%
HK$80,244
baseline
▲ 0.50% · 4.625%
HK$85,127
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,488/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,003
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,256
−HK$2,286/mo
Today · 4.125%
HK$88,542
baseline
▲ 0.50% · 4.625%
HK$93,209
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,084/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,094
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,834
−HK$2,784/mo
Today · 4.125%
HK$93,618
baseline
▲ 0.50% · 4.625%
HK$99,315
+HK$5,697/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,236/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,004
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,632
−HK$2,667/mo
Today · 4.125%
HK$103,299
baseline
▲ 0.50% · 4.625%
HK$108,744
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,598/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,264
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,787
−HK$3,580/mo
Today · 4.125%
HK$120,367
baseline
▲ 0.50% · 4.625%
HK$127,691
+HK$7,324/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,734/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,005
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,384
−HK$3,429/mo
Today · 4.125%
HK$132,813
baseline
▲ 0.50% · 4.625%
HK$139,813
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,626/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,802 · Scale 2, in force from 26 Feb 2026)