LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,937
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,895
−HK$1,989/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,954
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,017
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,895
−HK$1,905/mo
Today · 4.125%
HK$73,800
baseline
▲ 0.50% · 4.625%
HK$77,690
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,600/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,525
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,874
−HK$2,387/mo
Today · 4.125%
HK$80,261
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,522/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,286/mo
Today · 4.125%
HK$88,560
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,120/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,112
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,853
−HK$2,784/mo
Today · 4.125%
HK$93,637
baseline
▲ 0.50% · 4.625%
HK$99,335
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,274/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,024
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,653
−HK$2,667/mo
Today · 4.125%
HK$103,320
baseline
▲ 0.50% · 4.625%
HK$108,766
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,640/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,287
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,811
−HK$3,580/mo
Today · 4.125%
HK$120,391
baseline
▲ 0.50% · 4.625%
HK$127,716
+HK$7,325/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,782/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,030
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,411
−HK$3,429/mo
Today · 4.125%
HK$132,840
baseline
▲ 0.50% · 4.625%
HK$139,842
+HK$7,002/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,680/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,039 · Scale 2, in force from 26 Feb 2026)