LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,936
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,893
−HK$1,989/mo
Today · 4.125%
HK$66,882
baseline
▲ 0.50% · 4.625%
HK$70,952
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,764/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,015
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,893
−HK$1,905/mo
Today · 4.125%
HK$73,798
baseline
▲ 0.50% · 4.625%
HK$77,688
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,596/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,523
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,387/mo
Today · 4.125%
HK$80,259
baseline
▲ 0.50% · 4.625%
HK$85,142
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,518/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,018
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,272
−HK$2,285/mo
Today · 4.125%
HK$88,557
baseline
▲ 0.50% · 4.625%
HK$93,225
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,114/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,110
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,851
−HK$2,784/mo
Today · 4.125%
HK$93,635
baseline
▲ 0.50% · 4.625%
HK$99,333
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,270/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,021
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,650
−HK$2,667/mo
Today · 4.125%
HK$103,317
baseline
▲ 0.50% · 4.625%
HK$108,763
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,634/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,284
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,808
−HK$3,580/mo
Today · 4.125%
HK$120,388
baseline
▲ 0.50% · 4.625%
HK$127,713
+HK$7,325/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,776/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,027
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,407
−HK$3,429/mo
Today · 4.125%
HK$132,836
baseline
▲ 0.50% · 4.625%
HK$139,838
+HK$7,002/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,672/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,010 · Scale 2, in force from 26 Feb 2026)