LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,975
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,934
−HK$1,990/mo
Today · 4.125%
HK$66,924
baseline
▲ 0.50% · 4.625%
HK$70,996
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,848/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,059
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,938
−HK$1,906/mo
Today · 4.125%
HK$73,844
baseline
▲ 0.50% · 4.625%
HK$77,737
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,688/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,570
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,921
−HK$2,388/mo
Today · 4.125%
HK$80,309
baseline
▲ 0.50% · 4.625%
HK$85,196
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,618/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,071
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,326
−HK$2,287/mo
Today · 4.125%
HK$88,613
baseline
▲ 0.50% · 4.625%
HK$93,284
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,226/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,165
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,908
−HK$2,786/mo
Today · 4.125%
HK$93,694
baseline
▲ 0.50% · 4.625%
HK$99,395
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,388/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,083
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,713
−HK$2,669/mo
Today · 4.125%
HK$103,382
baseline
▲ 0.50% · 4.625%
HK$108,831
+HK$5,449/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,764/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,355
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,881
−HK$3,582/mo
Today · 4.125%
HK$120,463
baseline
▲ 0.50% · 4.625%
HK$127,793
+HK$7,330/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,926/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,106
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,489
−HK$3,431/mo
Today · 4.125%
HK$132,920
baseline
▲ 0.50% · 4.625%
HK$139,926
+HK$7,006/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,840/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,746 · Scale 2, in force from 26 Feb 2026)