LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,981
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,940
−HK$1,991/mo
Today · 4.125%
HK$66,931
baseline
▲ 0.50% · 4.625%
HK$71,003
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,862/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,066
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,945
−HK$1,906/mo
Today · 4.125%
HK$73,851
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,702/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,577
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,928
−HK$2,389/mo
Today · 4.125%
HK$80,317
baseline
▲ 0.50% · 4.625%
HK$85,204
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,634/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,079
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,334
−HK$2,288/mo
Today · 4.125%
HK$88,622
baseline
▲ 0.50% · 4.625%
HK$93,293
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,244/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,174
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,916
−HK$2,787/mo
Today · 4.125%
HK$93,703
baseline
▲ 0.50% · 4.625%
HK$99,405
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,406/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,092
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,723
−HK$2,669/mo
Today · 4.125%
HK$103,392
baseline
▲ 0.50% · 4.625%
HK$108,842
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,784/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,366
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,893
−HK$3,582/mo
Today · 4.125%
HK$120,475
baseline
▲ 0.50% · 4.625%
HK$127,806
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,950/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,119
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,501
−HK$3,432/mo
Today · 4.125%
HK$132,933
baseline
▲ 0.50% · 4.625%
HK$139,940
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,866/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,861 · Scale 2, in force from 26 Feb 2026)