LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,195
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,130
−HK$1,965/mo
Today · 4.125%
HK$66,095
baseline
▲ 0.50% · 4.625%
HK$70,117
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,190/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,192
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,047
−HK$1,883/mo
Today · 4.125%
HK$72,930
baseline
▲ 0.50% · 4.625%
HK$76,774
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,860/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,634
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,956
−HK$2,358/mo
Today · 4.125%
HK$79,314
baseline
▲ 0.50% · 4.625%
HK$84,141
+HK$4,827/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,628/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,030
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,257
−HK$2,259/mo
Today · 4.125%
HK$87,516
baseline
▲ 0.50% · 4.625%
HK$92,129
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,032/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,073
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,782
−HK$2,752/mo
Today · 4.125%
HK$92,534
baseline
▲ 0.50% · 4.625%
HK$98,164
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,068/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,868
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,466
−HK$2,636/mo
Today · 4.125%
HK$102,102
baseline
▲ 0.50% · 4.625%
HK$107,484
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,204/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,951
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,434
−HK$3,538/mo
Today · 4.125%
HK$118,972
baseline
▲ 0.50% · 4.625%
HK$126,211
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,944/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,545
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,885
−HK$3,389/mo
Today · 4.125%
HK$131,274
baseline
▲ 0.50% · 4.625%
HK$138,193
+HK$6,919/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,548/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,211 · Scale 2, in force from 26 Feb 2026)