LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,036
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,997
−HK$1,992/mo
Today · 4.125%
HK$66,989
baseline
▲ 0.50% · 4.625%
HK$71,065
+HK$4,076/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,978/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,127
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,008
−HK$1,908/mo
Today · 4.125%
HK$73,916
baseline
▲ 0.50% · 4.625%
HK$77,812
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,832/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,644
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,997
−HK$2,390/mo
Today · 4.125%
HK$80,387
baseline
▲ 0.50% · 4.625%
HK$85,278
+HK$4,891/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,774/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,153
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,410
−HK$2,289/mo
Today · 4.125%
HK$88,699
baseline
▲ 0.50% · 4.625%
HK$93,375
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,398/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,251
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,996
−HK$2,789/mo
Today · 4.125%
HK$93,785
baseline
▲ 0.50% · 4.625%
HK$99,492
+HK$5,707/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,570/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,178
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,811
−HK$2,671/mo
Today · 4.125%
HK$103,482
baseline
▲ 0.50% · 4.625%
HK$108,937
+HK$5,455/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,964/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,465
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$116,995
−HK$3,586/mo
Today · 4.125%
HK$120,581
baseline
▲ 0.50% · 4.625%
HK$127,918
+HK$7,337/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,162/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,229
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,614
−HK$3,435/mo
Today · 4.125%
HK$133,049
baseline
▲ 0.50% · 4.625%
HK$140,062
+HK$7,013/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,098/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,887 · Scale 2, in force from 26 Feb 2026)