LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,033
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,993
−HK$1,993/mo
Today · 4.125%
HK$66,986
baseline
▲ 0.50% · 4.625%
HK$71,061
+HK$4,075/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,972/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,123
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,004
−HK$1,908/mo
Today · 4.125%
HK$73,912
baseline
▲ 0.50% · 4.625%
HK$77,808
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,824/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,639
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,992
−HK$2,391/mo
Today · 4.125%
HK$80,383
baseline
▲ 0.50% · 4.625%
HK$85,274
+HK$4,891/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,766/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,148
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,405
−HK$2,289/mo
Today · 4.125%
HK$88,694
baseline
▲ 0.50% · 4.625%
HK$93,369
+HK$4,675/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,388/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,246
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,991
−HK$2,789/mo
Today · 4.125%
HK$93,780
baseline
▲ 0.50% · 4.625%
HK$99,486
+HK$5,706/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,560/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,173
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,806
−HK$2,671/mo
Today · 4.125%
HK$103,477
baseline
▲ 0.50% · 4.625%
HK$108,931
+HK$5,454/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,954/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,459
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,988
−HK$3,586/mo
Today · 4.125%
HK$120,574
baseline
▲ 0.50% · 4.625%
HK$127,911
+HK$7,337/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,148/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,222
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,607
−HK$3,434/mo
Today · 4.125%
HK$133,041
baseline
▲ 0.50% · 4.625%
HK$140,054
+HK$7,013/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,082/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,822 · Scale 2, in force from 26 Feb 2026)