LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,956
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,914
−HK$1,990/mo
Today · 4.125%
HK$66,904
baseline
▲ 0.50% · 4.625%
HK$70,974
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,808/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,038
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,916
−HK$1,905/mo
Today · 4.125%
HK$73,821
baseline
▲ 0.50% · 4.625%
HK$77,713
+HK$3,892/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,642/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,547
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,897
−HK$2,387/mo
Today · 4.125%
HK$80,284
baseline
▲ 0.50% · 4.625%
HK$85,169
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$160,568/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,045
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,299
−HK$2,287/mo
Today · 4.125%
HK$88,586
baseline
▲ 0.50% · 4.625%
HK$93,255
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$177,172/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,138
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,880
−HK$2,785/mo
Today · 4.125%
HK$93,665
baseline
▲ 0.50% · 4.625%
HK$99,364
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,330/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,053
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,682
−HK$2,668/mo
Today · 4.125%
HK$103,350
baseline
▲ 0.50% · 4.625%
HK$108,798
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,700/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,320
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,845
−HK$3,581/mo
Today · 4.125%
HK$120,426
baseline
▲ 0.50% · 4.625%
HK$127,754
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,852/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,068
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,449
−HK$3,430/mo
Today · 4.125%
HK$132,879
baseline
▲ 0.50% · 4.625%
HK$139,883
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,758/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,384 · Scale 2, in force from 26 Feb 2026)