LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,945
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,903
−HK$1,989/mo
Today · 4.125%
HK$66,892
baseline
▲ 0.50% · 4.625%
HK$70,963
+HK$4,071/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,784/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,026
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,904
−HK$1,905/mo
Today · 4.125%
HK$73,809
baseline
▲ 0.50% · 4.625%
HK$77,700
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,618/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,534
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,884
−HK$2,387/mo
Today · 4.125%
HK$80,271
baseline
▲ 0.50% · 4.625%
HK$85,155
+HK$4,884/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,542/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,031
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,285
−HK$2,286/mo
Today · 4.125%
HK$88,571
baseline
▲ 0.50% · 4.625%
HK$93,240
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,142/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,123
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,864
−HK$2,785/mo
Today · 4.125%
HK$93,649
baseline
▲ 0.50% · 4.625%
HK$99,348
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,298/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,036
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,665
−HK$2,668/mo
Today · 4.125%
HK$103,333
baseline
▲ 0.50% · 4.625%
HK$108,780
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,666/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,301
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,826
−HK$3,580/mo
Today · 4.125%
HK$120,406
baseline
▲ 0.50% · 4.625%
HK$127,733
+HK$7,327/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,812/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,046
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,427
−HK$3,429/mo
Today · 4.125%
HK$132,856
baseline
▲ 0.50% · 4.625%
HK$139,859
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,712/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,187 · Scale 2, in force from 26 Feb 2026)