LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,993
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,953
−HK$1,991/mo
Today · 4.125%
HK$66,944
baseline
▲ 0.50% · 4.625%
HK$71,017
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,888/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,079
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,959
−HK$1,907/mo
Today · 4.125%
HK$73,866
baseline
▲ 0.50% · 4.625%
HK$77,759
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,732/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,592
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,943
−HK$2,389/mo
Today · 4.125%
HK$80,332
baseline
▲ 0.50% · 4.625%
HK$85,220
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,664/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,095
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,351
−HK$2,288/mo
Today · 4.125%
HK$88,639
baseline
▲ 0.50% · 4.625%
HK$93,311
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,278/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,191
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,934
−HK$2,787/mo
Today · 4.125%
HK$93,721
baseline
▲ 0.50% · 4.625%
HK$99,424
+HK$5,703/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,442/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,111
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,743
−HK$2,669/mo
Today · 4.125%
HK$103,412
baseline
▲ 0.50% · 4.625%
HK$108,863
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,824/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,388
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,915
−HK$3,584/mo
Today · 4.125%
HK$120,499
baseline
▲ 0.50% · 4.625%
HK$127,831
+HK$7,332/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,998/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,143
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,526
−HK$3,432/mo
Today · 4.125%
HK$132,958
baseline
▲ 0.50% · 4.625%
HK$139,967
+HK$7,009/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,916/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,087 · Scale 2, in force from 26 Feb 2026)