LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,138
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,071
−HK$1,964/mo
Today · 4.125%
HK$66,035
baseline
▲ 0.50% · 4.625%
HK$70,053
+HK$4,018/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,070/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,128
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,982
−HK$1,881/mo
Today · 4.125%
HK$72,863
baseline
▲ 0.50% · 4.625%
HK$76,703
+HK$3,840/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,726/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,566
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,885
−HK$2,357/mo
Today · 4.125%
HK$79,242
baseline
▲ 0.50% · 4.625%
HK$84,063
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,484/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,953
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,178
−HK$2,257/mo
Today · 4.125%
HK$87,435
baseline
▲ 0.50% · 4.625%
HK$92,044
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,870/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,993
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,699
−HK$2,749/mo
Today · 4.125%
HK$92,448
baseline
▲ 0.50% · 4.625%
HK$98,074
+HK$5,626/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,896/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,779
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,375
−HK$2,633/mo
Today · 4.125%
HK$102,008
baseline
▲ 0.50% · 4.625%
HK$107,385
+HK$5,377/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,016/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,848
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,328
−HK$3,534/mo
Today · 4.125%
HK$118,862
baseline
▲ 0.50% · 4.625%
HK$126,095
+HK$7,233/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,724/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,430
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,767
−HK$3,386/mo
Today · 4.125%
HK$131,153
baseline
▲ 0.50% · 4.625%
HK$138,066
+HK$6,913/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,306/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,144 · Scale 2, in force from 26 Feb 2026)