LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,009
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,991/mo
Today · 4.125%
HK$66,960
baseline
▲ 0.50% · 4.625%
HK$71,035
+HK$4,075/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,920/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,097
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,977
−HK$1,907/mo
Today · 4.125%
HK$73,884
baseline
▲ 0.50% · 4.625%
HK$77,779
+HK$3,895/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,768/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,611
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,963
−HK$2,389/mo
Today · 4.125%
HK$80,352
baseline
▲ 0.50% · 4.625%
HK$85,241
+HK$4,889/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,704/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,116
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,372
−HK$2,289/mo
Today · 4.125%
HK$88,661
baseline
▲ 0.50% · 4.625%
HK$93,334
+HK$4,673/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,322/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,213
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,956
−HK$2,788/mo
Today · 4.125%
HK$93,744
baseline
▲ 0.50% · 4.625%
HK$99,448
+HK$5,704/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,488/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,136
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,768
−HK$2,670/mo
Today · 4.125%
HK$103,438
baseline
▲ 0.50% · 4.625%
HK$108,890
+HK$5,452/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,876/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,416
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,944
−HK$3,584/mo
Today · 4.125%
HK$120,528
baseline
▲ 0.50% · 4.625%
HK$127,862
+HK$7,334/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,056/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,174
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,558
−HK$3,433/mo
Today · 4.125%
HK$132,991
baseline
▲ 0.50% · 4.625%
HK$140,001
+HK$7,010/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$265,982/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,378 · Scale 2, in force from 26 Feb 2026)