LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,030
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,990
−HK$1,992/mo
Today · 4.125%
HK$66,982
baseline
▲ 0.50% · 4.625%
HK$71,058
+HK$4,076/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,964/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,120
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$72,001
−HK$1,907/mo
Today · 4.125%
HK$73,908
baseline
▲ 0.50% · 4.625%
HK$77,804
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,816/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,636
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,988
−HK$2,391/mo
Today · 4.125%
HK$80,379
baseline
▲ 0.50% · 4.625%
HK$85,270
+HK$4,891/mo
Deposit HK$11.06M · loan HK$16.58M · min. income ≈ HK$160,758/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,144
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,401
−HK$2,289/mo
Today · 4.125%
HK$88,690
baseline
▲ 0.50% · 4.625%
HK$93,365
+HK$4,675/mo
Deposit HK$11.06M · loan HK$16.58M · min. income ≈ HK$177,380/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,242
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,986
−HK$2,789/mo
Today · 4.125%
HK$93,775
baseline
▲ 0.50% · 4.625%
HK$99,481
+HK$5,706/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,550/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,168
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,801
−HK$2,671/mo
Today · 4.125%
HK$103,472
baseline
▲ 0.50% · 4.625%
HK$108,926
+HK$5,454/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,944/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,454
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$116,983
−HK$3,585/mo
Today · 4.125%
HK$120,568
baseline
▲ 0.50% · 4.625%
HK$127,904
+HK$7,336/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,136/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,216
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,601
−HK$3,434/mo
Today · 4.125%
HK$133,035
baseline
▲ 0.50% · 4.625%
HK$140,047
+HK$7,012/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,070/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,765 · Scale 2, in force from 26 Feb 2026)