LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,044
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,005
−HK$1,992/mo
Today · 4.125%
HK$66,997
baseline
▲ 0.50% · 4.625%
HK$71,074
+HK$4,077/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,994/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,136
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,017
−HK$1,908/mo
Today · 4.125%
HK$73,925
baseline
▲ 0.50% · 4.625%
HK$77,822
+HK$3,897/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,850/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,653
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,006
−HK$2,391/mo
Today · 4.125%
HK$80,397
baseline
▲ 0.50% · 4.625%
HK$85,289
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,794/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,163
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,420
−HK$2,290/mo
Today · 4.125%
HK$88,710
baseline
▲ 0.50% · 4.625%
HK$93,386
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,420/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,007
−HK$2,789/mo
Today · 4.125%
HK$93,796
baseline
▲ 0.50% · 4.625%
HK$99,503
+HK$5,707/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,592/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,190
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,823
−HK$2,672/mo
Today · 4.125%
HK$103,495
baseline
▲ 0.50% · 4.625%
HK$108,950
+HK$5,455/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,990/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,479
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,009
−HK$3,586/mo
Today · 4.125%
HK$120,595
baseline
▲ 0.50% · 4.625%
HK$127,933
+HK$7,338/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,190/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,244
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,630
−HK$3,435/mo
Today · 4.125%
HK$133,065
baseline
▲ 0.50% · 4.625%
HK$140,079
+HK$7,014/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,130/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,027 · Scale 2, in force from 26 Feb 2026)