LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,960
−HK$3,948/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$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,042
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,921
−HK$1,905/mo
Today · 4.125%
HK$73,826
baseline
▲ 0.50% · 4.625%
HK$77,718
+HK$3,892/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$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,552
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,388/mo
Today · 4.125%
HK$80,290
baseline
▲ 0.50% · 4.625%
HK$85,175
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$160,580/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,051
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,305
−HK$2,287/mo
Today · 4.125%
HK$88,592
baseline
▲ 0.50% · 4.625%
HK$93,262
+HK$4,670/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$177,184/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,144
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,886
−HK$2,785/mo
Today · 4.125%
HK$93,671
baseline
▲ 0.50% · 4.625%
HK$99,371
+HK$5,700/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$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,059
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,689
−HK$2,668/mo
Today · 4.125%
HK$103,357
baseline
▲ 0.50% · 4.625%
HK$108,805
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,714/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,328
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,853
−HK$3,582/mo
Today · 4.125%
HK$120,435
baseline
▲ 0.50% · 4.625%
HK$127,763
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,870/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,076
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,457
−HK$3,431/mo
Today · 4.125%
HK$132,888
baseline
▲ 0.50% · 4.625%
HK$139,892
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,776/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,464 · Scale 2, in force from 26 Feb 2026)