LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,939
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,897
−HK$1,989/mo
Today · 4.125%
HK$66,886
baseline
▲ 0.50% · 4.625%
HK$70,956
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,772/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,019
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,897
−HK$1,905/mo
Today · 4.125%
HK$73,802
baseline
▲ 0.50% · 4.625%
HK$77,692
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,604/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,527
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,876
−HK$2,387/mo
Today · 4.125%
HK$80,263
baseline
▲ 0.50% · 4.625%
HK$85,147
+HK$4,884/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,526/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,023
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,276
−HK$2,287/mo
Today · 4.125%
HK$88,563
baseline
▲ 0.50% · 4.625%
HK$93,231
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,126/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,115
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,856
−HK$2,784/mo
Today · 4.125%
HK$93,640
baseline
▲ 0.50% · 4.625%
HK$99,338
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,280/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,027
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,656
−HK$2,667/mo
Today · 4.125%
HK$103,323
baseline
▲ 0.50% · 4.625%
HK$108,769
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,646/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,290
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,814
−HK$3,581/mo
Today · 4.125%
HK$120,395
baseline
▲ 0.50% · 4.625%
HK$127,721
+HK$7,326/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,790/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,035
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,415
−HK$3,429/mo
Today · 4.125%
HK$132,844
baseline
▲ 0.50% · 4.625%
HK$139,846
+HK$7,002/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,688/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,076 · Scale 2, in force from 26 Feb 2026)