LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,006
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,992/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$71,031
+HK$4,074/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,914/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,973
−HK$1,907/mo
Today · 4.125%
HK$73,880
baseline
▲ 0.50% · 4.625%
HK$77,774
+HK$3,894/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,760/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,607
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,958
−HK$2,390/mo
Today · 4.125%
HK$80,348
baseline
▲ 0.50% · 4.625%
HK$85,237
+HK$4,889/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,696/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,112
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,367
−HK$2,289/mo
Today · 4.125%
HK$88,656
baseline
▲ 0.50% · 4.625%
HK$93,329
+HK$4,673/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,312/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,208
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,952
−HK$2,787/mo
Today · 4.125%
HK$93,739
baseline
▲ 0.50% · 4.625%
HK$99,443
+HK$5,704/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$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,130
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,762
−HK$2,670/mo
Today · 4.125%
HK$103,432
baseline
▲ 0.50% · 4.625%
HK$108,884
+HK$5,452/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,864/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,410
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,938
−HK$3,584/mo
Today · 4.125%
HK$120,522
baseline
▲ 0.50% · 4.625%
HK$127,855
+HK$7,333/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,044/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,167
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,551
−HK$3,433/mo
Today · 4.125%
HK$132,984
baseline
▲ 0.50% · 4.625%
HK$139,994
+HK$7,010/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$265,968/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,314 · Scale 2, in force from 26 Feb 2026)