LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,002
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,962
−HK$1,991/mo
Today · 4.125%
HK$66,953
baseline
▲ 0.50% · 4.625%
HK$71,027
+HK$4,074/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,906/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,089
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,969
−HK$1,907/mo
Today · 4.125%
HK$73,876
baseline
▲ 0.50% · 4.625%
HK$77,770
+HK$3,894/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,752/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,603
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,954
−HK$2,390/mo
Today · 4.125%
HK$80,344
baseline
▲ 0.50% · 4.625%
HK$85,232
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,688/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,107
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,363
−HK$2,288/mo
Today · 4.125%
HK$88,651
baseline
▲ 0.50% · 4.625%
HK$93,324
+HK$4,673/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,302/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,203
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,947
−HK$2,787/mo
Today · 4.125%
HK$93,734
baseline
▲ 0.50% · 4.625%
HK$99,438
+HK$5,704/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,468/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,125
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,757
−HK$2,670/mo
Today · 4.125%
HK$103,427
baseline
▲ 0.50% · 4.625%
HK$108,878
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,854/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,404
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,932
−HK$3,584/mo
Today · 4.125%
HK$120,516
baseline
▲ 0.50% · 4.625%
HK$127,849
+HK$7,333/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,032/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,161
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,545
−HK$3,432/mo
Today · 4.125%
HK$132,977
baseline
▲ 0.50% · 4.625%
HK$139,987
+HK$7,010/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$265,954/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,254 · Scale 2, in force from 26 Feb 2026)