LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,959
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,918
−HK$1,990/mo
Today · 4.125%
HK$66,908
baseline
▲ 0.50% · 4.625%
HK$70,979
+HK$4,071/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,816/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,042
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,920
−HK$1,906/mo
Today · 4.125%
HK$73,826
baseline
▲ 0.50% · 4.625%
HK$77,717
+HK$3,891/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,652/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,551
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,901
−HK$2,388/mo
Today · 4.125%
HK$80,289
baseline
▲ 0.50% · 4.625%
HK$85,174
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$160,578/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,050
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,304
−HK$2,287/mo
Today · 4.125%
HK$88,591
baseline
▲ 0.50% · 4.625%
HK$93,261
+HK$4,670/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$177,182/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,143
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,885
−HK$2,786/mo
Today · 4.125%
HK$93,671
baseline
▲ 0.50% · 4.625%
HK$99,370
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,342/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,058
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,688
−HK$2,668/mo
Today · 4.125%
HK$103,356
baseline
▲ 0.50% · 4.625%
HK$108,804
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,712/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,327
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,852
−HK$3,582/mo
Today · 4.125%
HK$120,434
baseline
▲ 0.50% · 4.625%
HK$127,762
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,868/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,075
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,456
−HK$3,431/mo
Today · 4.125%
HK$132,887
baseline
▲ 0.50% · 4.625%
HK$139,891
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,774/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,454 · Scale 2, in force from 26 Feb 2026)