LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,953
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,911
−HK$1,990/mo
Today · 4.125%
HK$66,901
baseline
▲ 0.50% · 4.625%
HK$70,971
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,802/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,035
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,913
−HK$1,905/mo
Today · 4.125%
HK$73,818
baseline
▲ 0.50% · 4.625%
HK$77,709
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,636/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,544
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,893
−HK$2,388/mo
Today · 4.125%
HK$80,281
baseline
▲ 0.50% · 4.625%
HK$85,166
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,562/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,041
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,295
−HK$2,287/mo
Today · 4.125%
HK$88,582
baseline
▲ 0.50% · 4.625%
HK$93,251
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,164/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,134
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,876
−HK$2,785/mo
Today · 4.125%
HK$93,661
baseline
▲ 0.50% · 4.625%
HK$99,360
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,322/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,048
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,678
−HK$2,668/mo
Today · 4.125%
HK$103,346
baseline
▲ 0.50% · 4.625%
HK$108,793
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,692/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,315
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,840
−HK$3,581/mo
Today · 4.125%
HK$120,421
baseline
▲ 0.50% · 4.625%
HK$127,749
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,842/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,062
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,443
−HK$3,430/mo
Today · 4.125%
HK$132,873
baseline
▲ 0.50% · 4.625%
HK$139,877
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,746/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,334 · Scale 2, in force from 26 Feb 2026)