LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,974
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,933
−HK$1,990/mo
Today · 4.125%
HK$66,923
baseline
▲ 0.50% · 4.625%
HK$70,995
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,846/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,058
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,937
−HK$1,906/mo
Today · 4.125%
HK$73,843
baseline
▲ 0.50% · 4.625%
HK$77,736
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,686/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,569
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,920
−HK$2,388/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$85,194
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,070
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,288/mo
Today · 4.125%
HK$88,612
baseline
▲ 0.50% · 4.625%
HK$93,283
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,224/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,164
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,906
−HK$2,786/mo
Today · 4.125%
HK$93,692
baseline
▲ 0.50% · 4.625%
HK$99,393
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,384/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,081
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,712
−HK$2,668/mo
Today · 4.125%
HK$103,380
baseline
▲ 0.50% · 4.625%
HK$108,830
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,760/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,353
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,879
−HK$3,583/mo
Today · 4.125%
HK$120,462
baseline
▲ 0.50% · 4.625%
HK$127,792
+HK$7,330/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,924/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,105
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,487
−HK$3,431/mo
Today · 4.125%
HK$132,918
baseline
▲ 0.50% · 4.625%
HK$139,924
+HK$7,006/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,836/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,729 · Scale 2, in force from 26 Feb 2026)