LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,988
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,990/mo
Today · 4.125%
HK$66,938
baseline
▲ 0.50% · 4.625%
HK$71,011
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,876/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,074
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,953
−HK$1,907/mo
Today · 4.125%
HK$73,860
baseline
▲ 0.50% · 4.625%
HK$77,753
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,720/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,586
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,937
−HK$2,389/mo
Today · 4.125%
HK$80,326
baseline
▲ 0.50% · 4.625%
HK$85,213
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,652/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,089
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,344
−HK$2,288/mo
Today · 4.125%
HK$88,632
baseline
▲ 0.50% · 4.625%
HK$93,303
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,264/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,184
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,927
−HK$2,786/mo
Today · 4.125%
HK$93,713
baseline
▲ 0.50% · 4.625%
HK$99,416
+HK$5,703/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,426/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,103
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,734
−HK$2,670/mo
Today · 4.125%
HK$103,404
baseline
▲ 0.50% · 4.625%
HK$108,854
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,808/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,379
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,906
−HK$3,583/mo
Today · 4.125%
HK$120,489
baseline
▲ 0.50% · 4.625%
HK$127,820
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,978/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,133
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,516
−HK$3,431/mo
Today · 4.125%
HK$132,947
baseline
▲ 0.50% · 4.625%
HK$139,955
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,894/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,991 · Scale 2, in force from 26 Feb 2026)