LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,954
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,912
−HK$1,990/mo
Today · 4.125%
HK$66,902
baseline
▲ 0.50% · 4.625%
HK$70,973
+HK$4,071/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,804/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,036
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,914
−HK$1,906/mo
Today · 4.125%
HK$73,820
baseline
▲ 0.50% · 4.625%
HK$77,711
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,640/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,545
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,895
−HK$2,387/mo
Today · 4.125%
HK$80,282
baseline
▲ 0.50% · 4.625%
HK$85,167
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$160,564/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,043
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,297
−HK$2,287/mo
Today · 4.125%
HK$88,584
baseline
▲ 0.50% · 4.625%
HK$93,253
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$177,168/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,136
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,877
−HK$2,786/mo
Today · 4.125%
HK$93,663
baseline
▲ 0.50% · 4.625%
HK$99,362
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,326/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,050
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,680
−HK$2,667/mo
Today · 4.125%
HK$103,347
baseline
▲ 0.50% · 4.625%
HK$108,795
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,694/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,317
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,842
−HK$3,581/mo
Today · 4.125%
HK$120,423
baseline
▲ 0.50% · 4.625%
HK$127,751
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,846/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,064
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,445
−HK$3,430/mo
Today · 4.125%
HK$132,875
baseline
▲ 0.50% · 4.625%
HK$139,879
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,750/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,355 · Scale 2, in force from 26 Feb 2026)