LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,986
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,946
−HK$1,990/mo
Today · 4.125%
HK$66,936
baseline
▲ 0.50% · 4.625%
HK$71,009
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,872/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,072
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,951
−HK$1,906/mo
Today · 4.125%
HK$73,857
baseline
▲ 0.50% · 4.625%
HK$77,751
+HK$3,894/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,714/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,584
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,935
−HK$2,388/mo
Today · 4.125%
HK$80,323
baseline
▲ 0.50% · 4.625%
HK$85,211
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,646/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,086
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,341
−HK$2,288/mo
Today · 4.125%
HK$88,629
baseline
▲ 0.50% · 4.625%
HK$93,301
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,258/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,181
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,924
−HK$2,787/mo
Today · 4.125%
HK$93,711
baseline
▲ 0.50% · 4.625%
HK$99,413
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,422/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,100
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,731
−HK$2,669/mo
Today · 4.125%
HK$103,400
baseline
▲ 0.50% · 4.625%
HK$108,851
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,800/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,375
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,902
−HK$3,583/mo
Today · 4.125%
HK$120,485
baseline
▲ 0.50% · 4.625%
HK$127,816
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,970/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,129
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,512
−HK$3,431/mo
Today · 4.125%
HK$132,943
baseline
▲ 0.50% · 4.625%
HK$139,951
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,886/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,956 · Scale 2, in force from 26 Feb 2026)