LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,952
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,910
−HK$1,990/mo
Today · 4.125%
HK$66,900
baseline
▲ 0.50% · 4.625%
HK$70,970
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,800/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,034
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,912
−HK$1,905/mo
Today · 4.125%
HK$73,817
baseline
▲ 0.50% · 4.625%
HK$77,708
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,634/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,543
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,892
−HK$2,388/mo
Today · 4.125%
HK$80,280
baseline
▲ 0.50% · 4.625%
HK$85,165
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,560/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,040
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,294
−HK$2,287/mo
Today · 4.125%
HK$88,581
baseline
▲ 0.50% · 4.625%
HK$93,250
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,162/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,133
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,874
−HK$2,786/mo
Today · 4.125%
HK$93,660
baseline
▲ 0.50% · 4.625%
HK$99,359
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,320/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,047
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,677
−HK$2,667/mo
Today · 4.125%
HK$103,344
baseline
▲ 0.50% · 4.625%
HK$108,792
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,688/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,314
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,839
−HK$3,581/mo
Today · 4.125%
HK$120,420
baseline
▲ 0.50% · 4.625%
HK$127,747
+HK$7,327/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,840/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,061
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,441
−HK$3,430/mo
Today · 4.125%
HK$132,871
baseline
▲ 0.50% · 4.625%
HK$139,875
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,742/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,319 · Scale 2, in force from 26 Feb 2026)