LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,947
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,905
−HK$1,989/mo
Today · 4.125%
HK$66,894
baseline
▲ 0.50% · 4.625%
HK$70,965
+HK$4,071/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$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,028
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,906
−HK$1,905/mo
Today · 4.125%
HK$73,811
baseline
▲ 0.50% · 4.625%
HK$77,702
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,622/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,536
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,886
−HK$2,387/mo
Today · 4.125%
HK$80,273
baseline
▲ 0.50% · 4.625%
HK$85,157
+HK$4,884/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,546/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,033
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,287
−HK$2,286/mo
Today · 4.125%
HK$88,573
baseline
▲ 0.50% · 4.625%
HK$93,242
+HK$4,669/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$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,126
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,867
−HK$2,785/mo
Today · 4.125%
HK$93,652
baseline
▲ 0.50% · 4.625%
HK$99,350
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,304/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,039
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,668
−HK$2,668/mo
Today · 4.125%
HK$103,336
baseline
▲ 0.50% · 4.625%
HK$108,783
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,672/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,304
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,829
−HK$3,581/mo
Today · 4.125%
HK$120,410
baseline
▲ 0.50% · 4.625%
HK$127,736
+HK$7,326/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,820/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,050
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,431
−HK$3,429/mo
Today · 4.125%
HK$132,860
baseline
▲ 0.50% · 4.625%
HK$139,863
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,720/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,220 · Scale 2, in force from 26 Feb 2026)