LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,990
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,949
−HK$1,991/mo
Today · 4.125%
HK$66,940
baseline
▲ 0.50% · 4.625%
HK$71,013
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,880/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,076
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,955
−HK$1,907/mo
Today · 4.125%
HK$73,862
baseline
▲ 0.50% · 4.625%
HK$77,755
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,724/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,588
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,939
−HK$2,389/mo
Today · 4.125%
HK$80,328
baseline
▲ 0.50% · 4.625%
HK$85,216
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,656/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,091
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,346
−HK$2,288/mo
Today · 4.125%
HK$88,634
baseline
▲ 0.50% · 4.625%
HK$93,306
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,268/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,186
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,929
−HK$2,787/mo
Today · 4.125%
HK$93,716
baseline
▲ 0.50% · 4.625%
HK$99,418
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,432/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,106
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,737
−HK$2,669/mo
Today · 4.125%
HK$103,406
baseline
▲ 0.50% · 4.625%
HK$108,857
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,812/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,382
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,909
−HK$3,583/mo
Today · 4.125%
HK$120,492
baseline
▲ 0.50% · 4.625%
HK$127,824
+HK$7,332/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,984/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,136
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,519
−HK$3,432/mo
Today · 4.125%
HK$132,951
baseline
▲ 0.50% · 4.625%
HK$139,959
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,902/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,022 · Scale 2, in force from 26 Feb 2026)