LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,059
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,021
−HK$1,993/mo
Today · 4.125%
HK$67,014
baseline
▲ 0.50% · 4.625%
HK$71,091
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,028/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,153
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,034
−HK$1,909/mo
Today · 4.125%
HK$73,943
baseline
▲ 0.50% · 4.625%
HK$77,841
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,886/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,671
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,391/mo
Today · 4.125%
HK$80,416
baseline
▲ 0.50% · 4.625%
HK$85,310
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,832/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,183
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,441
−HK$2,291/mo
Today · 4.125%
HK$88,732
baseline
▲ 0.50% · 4.625%
HK$93,409
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,464/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,283
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,029
−HK$2,790/mo
Today · 4.125%
HK$93,819
baseline
▲ 0.50% · 4.625%
HK$99,528
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,638/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,214
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,848
−HK$2,672/mo
Today · 4.125%
HK$103,520
baseline
▲ 0.50% · 4.625%
HK$108,977
+HK$5,457/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,040/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,507
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,038
−HK$3,587/mo
Today · 4.125%
HK$120,625
baseline
▲ 0.50% · 4.625%
HK$127,964
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,250/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,275
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,662
−HK$3,435/mo
Today · 4.125%
HK$133,097
baseline
▲ 0.50% · 4.625%
HK$140,113
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,194/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,317 · Scale 2, in force from 26 Feb 2026)