LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,041
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,002
−HK$1,992/mo
Today · 4.125%
HK$66,994
baseline
▲ 0.50% · 4.625%
HK$71,071
+HK$4,077/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,988/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,133
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,013
−HK$1,909/mo
Today · 4.125%
HK$73,922
baseline
▲ 0.50% · 4.625%
HK$77,818
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,844/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,649
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,002
−HK$2,391/mo
Today · 4.125%
HK$80,393
baseline
▲ 0.50% · 4.625%
HK$85,285
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,786/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,159
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,416
−HK$2,290/mo
Today · 4.125%
HK$88,706
baseline
▲ 0.50% · 4.625%
HK$93,382
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,412/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,257
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,003
−HK$2,789/mo
Today · 4.125%
HK$93,792
baseline
▲ 0.50% · 4.625%
HK$99,499
+HK$5,707/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,584/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,186
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,819
−HK$2,671/mo
Today · 4.125%
HK$103,490
baseline
▲ 0.50% · 4.625%
HK$108,945
+HK$5,455/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,980/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,474
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,004
−HK$3,586/mo
Today · 4.125%
HK$120,590
baseline
▲ 0.50% · 4.625%
HK$127,927
+HK$7,337/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,180/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,239
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,624
−HK$3,435/mo
Today · 4.125%
HK$133,059
baseline
▲ 0.50% · 4.625%
HK$140,073
+HK$7,014/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,118/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,975 · Scale 2, in force from 26 Feb 2026)