LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,212
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,147
−HK$1,966/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$70,136
+HK$4,023/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,210
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,067
−HK$1,883/mo
Today · 4.125%
HK$72,950
baseline
▲ 0.50% · 4.625%
HK$76,795
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,900/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,655
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,977
−HK$2,359/mo
Today · 4.125%
HK$79,336
baseline
▲ 0.50% · 4.625%
HK$84,164
+HK$4,828/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,672/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,053
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,280
−HK$2,260/mo
Today · 4.125%
HK$87,540
baseline
▲ 0.50% · 4.625%
HK$92,154
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,080/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,097
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,806
−HK$2,753/mo
Today · 4.125%
HK$92,559
baseline
▲ 0.50% · 4.625%
HK$98,191
+HK$5,632/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$185,118/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,895
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,493
−HK$2,637/mo
Today · 4.125%
HK$102,130
baseline
▲ 0.50% · 4.625%
HK$107,513
+HK$5,383/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$204,260/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,982
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,465
−HK$3,539/mo
Today · 4.125%
HK$119,004
baseline
▲ 0.50% · 4.625%
HK$126,245
+HK$7,241/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$238,008/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,579
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,920
−HK$3,389/mo
Today · 4.125%
HK$131,309
baseline
▲ 0.50% · 4.625%
HK$138,231
+HK$6,922/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,618/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,527 · Scale 2, in force from 26 Feb 2026)