LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,930
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,888
−HK$1,989/mo
Today · 4.125%
HK$66,877
baseline
▲ 0.50% · 4.625%
HK$70,946
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,754/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,009
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,887
−HK$1,905/mo
Today · 4.125%
HK$73,792
baseline
▲ 0.50% · 4.625%
HK$77,681
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,584/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,516
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,865
−HK$2,387/mo
Today · 4.125%
HK$80,252
baseline
▲ 0.50% · 4.625%
HK$85,135
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,504/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,011
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,264
−HK$2,286/mo
Today · 4.125%
HK$88,550
baseline
▲ 0.50% · 4.625%
HK$93,218
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,100/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,102
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,843
−HK$2,784/mo
Today · 4.125%
HK$93,627
baseline
▲ 0.50% · 4.625%
HK$99,324
+HK$5,697/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,254/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,013
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,642
−HK$2,666/mo
Today · 4.125%
HK$103,308
baseline
▲ 0.50% · 4.625%
HK$108,754
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,616/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,274
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,798
−HK$3,580/mo
Today · 4.125%
HK$120,378
baseline
▲ 0.50% · 4.625%
HK$127,702
+HK$7,324/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,756/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,017
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,396
−HK$3,429/mo
Today · 4.125%
HK$132,825
baseline
▲ 0.50% · 4.625%
HK$139,826
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,650/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,911 · Scale 2, in force from 26 Feb 2026)