LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,159
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,092
−HK$1,965/mo
Today · 4.125%
HK$66,057
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,114/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,151
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,006
−HK$1,881/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$76,729
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,591
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,911
−HK$2,357/mo
Today · 4.125%
HK$79,268
baseline
▲ 0.50% · 4.625%
HK$84,092
+HK$4,824/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$158,536/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,982
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,207
−HK$2,258/mo
Today · 4.125%
HK$87,465
baseline
▲ 0.50% · 4.625%
HK$92,075
+HK$4,610/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$174,930/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,023
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,729
−HK$2,751/mo
Today · 4.125%
HK$92,480
baseline
▲ 0.50% · 4.625%
HK$98,107
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,960/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,812
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,408
−HK$2,634/mo
Today · 4.125%
HK$102,042
baseline
▲ 0.50% · 4.625%
HK$107,421
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,084/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,886
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$115,366
−HK$3,536/mo
Today · 4.125%
HK$118,902
baseline
▲ 0.50% · 4.625%
HK$126,137
+HK$7,235/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,804/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,472
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,811
−HK$3,386/mo
Today · 4.125%
HK$131,197
baseline
▲ 0.50% · 4.625%
HK$138,113
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,394/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,536 · Scale 2, in force from 26 Feb 2026)