LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,946
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,904
−HK$1,990/mo
Today · 4.125%
HK$66,894
baseline
▲ 0.50% · 4.625%
HK$70,964
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,788/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,027
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,905
−HK$1,905/mo
Today · 4.125%
HK$73,810
baseline
▲ 0.50% · 4.625%
HK$77,701
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,620/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,536
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,885
−HK$2,387/mo
Today · 4.125%
HK$80,272
baseline
▲ 0.50% · 4.625%
HK$85,157
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,544/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,033
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,286
−HK$2,287/mo
Today · 4.125%
HK$88,573
baseline
▲ 0.50% · 4.625%
HK$93,241
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,146/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,125
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,866
−HK$2,785/mo
Today · 4.125%
HK$93,651
baseline
▲ 0.50% · 4.625%
HK$99,349
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,302/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,038
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,667
−HK$2,668/mo
Today · 4.125%
HK$103,335
baseline
▲ 0.50% · 4.625%
HK$108,782
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,670/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,303
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,828
−HK$3,580/mo
Today · 4.125%
HK$120,408
baseline
▲ 0.50% · 4.625%
HK$127,735
+HK$7,327/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,816/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,049
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,429
−HK$3,430/mo
Today · 4.125%
HK$132,859
baseline
▲ 0.50% · 4.625%
HK$139,862
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,718/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,210 · Scale 2, in force from 26 Feb 2026)