LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,969
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,928
−HK$1,990/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,989
+HK$4,071/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,052
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,931
−HK$1,906/mo
Today · 4.125%
HK$73,837
baseline
▲ 0.50% · 4.625%
HK$77,729
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,674/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,563
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,913
−HK$2,388/mo
Today · 4.125%
HK$80,301
baseline
▲ 0.50% · 4.625%
HK$85,187
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,602/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,063
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,317
−HK$2,287/mo
Today · 4.125%
HK$88,604
baseline
▲ 0.50% · 4.625%
HK$93,275
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,208/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,157
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,899
−HK$2,786/mo
Today · 4.125%
HK$93,685
baseline
▲ 0.50% · 4.625%
HK$99,385
+HK$5,700/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,370/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,073
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,703
−HK$2,669/mo
Today · 4.125%
HK$103,372
baseline
▲ 0.50% · 4.625%
HK$108,821
+HK$5,449/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,744/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,344
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,870
−HK$3,582/mo
Today · 4.125%
HK$120,452
baseline
▲ 0.50% · 4.625%
HK$127,781
+HK$7,329/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,904/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,094
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,476
−HK$3,431/mo
Today · 4.125%
HK$132,907
baseline
▲ 0.50% · 4.625%
HK$139,912
+HK$7,005/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,814/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,631 · Scale 2, in force from 26 Feb 2026)