LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,925
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,882
−HK$1,989/mo
Today · 4.125%
HK$66,871
baseline
▲ 0.50% · 4.625%
HK$70,940
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,742/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,003
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,881
−HK$1,905/mo
Today · 4.125%
HK$73,786
baseline
▲ 0.50% · 4.625%
HK$77,675
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,572/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,859
−HK$2,386/mo
Today · 4.125%
HK$80,245
baseline
▲ 0.50% · 4.625%
HK$85,128
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,490/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,004
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,257
−HK$2,286/mo
Today · 4.125%
HK$88,543
baseline
▲ 0.50% · 4.625%
HK$93,210
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,086/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,095
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,835
−HK$2,784/mo
Today · 4.125%
HK$93,619
baseline
▲ 0.50% · 4.625%
HK$99,316
+HK$5,697/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,238/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,005
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,633
−HK$2,667/mo
Today · 4.125%
HK$103,300
baseline
▲ 0.50% · 4.625%
HK$108,745
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,600/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,265
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,788
−HK$3,580/mo
Today · 4.125%
HK$120,368
baseline
▲ 0.50% · 4.625%
HK$127,692
+HK$7,324/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,736/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,006
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,386
−HK$3,428/mo
Today · 4.125%
HK$132,814
baseline
▲ 0.50% · 4.625%
HK$139,815
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,628/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,813 · Scale 2, in force from 26 Feb 2026)