LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,941
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,899
−HK$1,989/mo
Today · 4.125%
HK$66,888
baseline
▲ 0.50% · 4.625%
HK$70,958
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,776/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,021
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,899
−HK$1,905/mo
Today · 4.125%
HK$73,804
baseline
▲ 0.50% · 4.625%
HK$77,694
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,608/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,529
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,878
−HK$2,387/mo
Today · 4.125%
HK$80,265
baseline
▲ 0.50% · 4.625%
HK$85,149
+HK$4,884/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,530/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,025
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,279
−HK$2,286/mo
Today · 4.125%
HK$88,565
baseline
▲ 0.50% · 4.625%
HK$93,233
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,130/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,117
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,858
−HK$2,785/mo
Today · 4.125%
HK$93,643
baseline
▲ 0.50% · 4.625%
HK$99,341
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,286/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,030
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,659
−HK$2,667/mo
Today · 4.125%
HK$103,326
baseline
▲ 0.50% · 4.625%
HK$108,772
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,652/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,294
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,818
−HK$3,580/mo
Today · 4.125%
HK$120,398
baseline
▲ 0.50% · 4.625%
HK$127,724
+HK$7,326/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,796/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,038
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,418
−HK$3,429/mo
Today · 4.125%
HK$132,847
baseline
▲ 0.50% · 4.625%
HK$139,850
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,694/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,108 · Scale 2, in force from 26 Feb 2026)