LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,927
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,884
−HK$1,989/mo
Today · 4.125%
HK$66,873
baseline
▲ 0.50% · 4.625%
HK$70,942
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,746/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,005
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,883
−HK$1,904/mo
Today · 4.125%
HK$73,787
baseline
▲ 0.50% · 4.625%
HK$77,677
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,574/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,512
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,861
−HK$2,386/mo
Today · 4.125%
HK$80,247
baseline
▲ 0.50% · 4.625%
HK$85,130
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,494/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,006
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,259
−HK$2,286/mo
Today · 4.125%
HK$88,545
baseline
▲ 0.50% · 4.625%
HK$93,212
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,090/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,097
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,838
−HK$2,784/mo
Today · 4.125%
HK$93,622
baseline
▲ 0.50% · 4.625%
HK$99,318
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,244/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,007
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,636
−HK$2,666/mo
Today · 4.125%
HK$103,302
baseline
▲ 0.50% · 4.625%
HK$108,748
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,604/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,268
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,791
−HK$3,580/mo
Today · 4.125%
HK$120,371
baseline
▲ 0.50% · 4.625%
HK$127,695
+HK$7,324/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,742/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,009
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,389
−HK$3,428/mo
Today · 4.125%
HK$132,817
baseline
▲ 0.50% · 4.625%
HK$139,818
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,634/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,843 · Scale 2, in force from 26 Feb 2026)