LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,978
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,937
−HK$1,990/mo
Today · 4.125%
HK$66,927
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,854/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,063
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,942
−HK$1,906/mo
Today · 4.125%
HK$73,848
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,696/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,574
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,925
−HK$2,388/mo
Today · 4.125%
HK$80,313
baseline
▲ 0.50% · 4.625%
HK$85,200
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,626/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,075
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,330
−HK$2,287/mo
Today · 4.125%
HK$88,617
baseline
▲ 0.50% · 4.625%
HK$93,289
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,234/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,169
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,912
−HK$2,786/mo
Today · 4.125%
HK$93,698
baseline
▲ 0.50% · 4.625%
HK$99,400
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,396/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,088
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,718
−HK$2,669/mo
Today · 4.125%
HK$103,387
baseline
▲ 0.50% · 4.625%
HK$108,837
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,774/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,361
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,887
−HK$3,582/mo
Today · 4.125%
HK$120,469
baseline
▲ 0.50% · 4.625%
HK$127,800
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,938/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,113
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,495
−HK$3,431/mo
Today · 4.125%
HK$132,926
baseline
▲ 0.50% · 4.625%
HK$139,933
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,852/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,804 · Scale 2, in force from 26 Feb 2026)