LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,005
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,991/mo
Today · 4.125%
HK$66,956
baseline
▲ 0.50% · 4.625%
HK$71,030
+HK$4,074/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,912/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,972
−HK$1,907/mo
Today · 4.125%
HK$73,879
baseline
▲ 0.50% · 4.625%
HK$77,774
+HK$3,895/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,758/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,606
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,958
−HK$2,389/mo
Today · 4.125%
HK$80,347
baseline
▲ 0.50% · 4.625%
HK$85,236
+HK$4,889/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,694/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,111
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,367
−HK$2,288/mo
Today · 4.125%
HK$88,655
baseline
▲ 0.50% · 4.625%
HK$93,329
+HK$4,674/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,310/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,207
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,951
−HK$2,788/mo
Today · 4.125%
HK$93,739
baseline
▲ 0.50% · 4.625%
HK$99,442
+HK$5,703/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,478/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,130
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,761
−HK$2,670/mo
Today · 4.125%
HK$103,431
baseline
▲ 0.50% · 4.625%
HK$108,883
+HK$5,452/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,862/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,409
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,937
−HK$3,584/mo
Today · 4.125%
HK$120,521
baseline
▲ 0.50% · 4.625%
HK$127,854
+HK$7,333/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,042/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,167
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,550
−HK$3,433/mo
Today · 4.125%
HK$132,983
baseline
▲ 0.50% · 4.625%
HK$139,993
+HK$7,010/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$265,966/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,306 · Scale 2, in force from 26 Feb 2026)