LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,065
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,027
−HK$1,993/mo
Today · 4.125%
HK$67,020
baseline
▲ 0.50% · 4.625%
HK$71,098
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,040/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,159
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,041
−HK$1,908/mo
Today · 4.125%
HK$73,949
baseline
▲ 0.50% · 4.625%
HK$77,847
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,898/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,678
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,032
−HK$2,391/mo
Today · 4.125%
HK$80,423
baseline
▲ 0.50% · 4.625%
HK$85,317
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,846/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,191
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,449
−HK$2,290/mo
Today · 4.125%
HK$88,739
baseline
▲ 0.50% · 4.625%
HK$93,417
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,478/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,291
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,037
−HK$2,790/mo
Today · 4.125%
HK$93,827
baseline
▲ 0.50% · 4.625%
HK$99,537
+HK$5,710/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,654/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,223
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,857
−HK$2,672/mo
Today · 4.125%
HK$103,529
baseline
▲ 0.50% · 4.625%
HK$108,986
+HK$5,457/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,058/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,517
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,048
−HK$3,587/mo
Today · 4.125%
HK$120,635
baseline
▲ 0.50% · 4.625%
HK$127,976
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,270/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,286
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,673
−HK$3,436/mo
Today · 4.125%
HK$133,109
baseline
▲ 0.50% · 4.625%
HK$140,125
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,218/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,419 · Scale 2, in force from 26 Feb 2026)