LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,219
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,155
−HK$1,966/mo
Today · 4.125%
HK$66,121
baseline
▲ 0.50% · 4.625%
HK$70,144
+HK$4,023/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,242/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,218
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,075
−HK$1,883/mo
Today · 4.125%
HK$72,958
baseline
▲ 0.50% · 4.625%
HK$76,804
+HK$3,846/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,916/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,663
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,986
−HK$2,359/mo
Today · 4.125%
HK$79,345
baseline
▲ 0.50% · 4.625%
HK$84,173
+HK$4,828/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,690/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,062
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,290
−HK$2,260/mo
Today · 4.125%
HK$87,550
baseline
▲ 0.50% · 4.625%
HK$92,164
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,100/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,107
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,816
−HK$2,753/mo
Today · 4.125%
HK$92,569
baseline
▲ 0.50% · 4.625%
HK$98,202
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,138/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,906
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,505
−HK$2,636/mo
Today · 4.125%
HK$102,141
baseline
▲ 0.50% · 4.625%
HK$107,525
+HK$5,384/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,282/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,995
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,478
−HK$3,540/mo
Today · 4.125%
HK$119,018
baseline
▲ 0.50% · 4.625%
HK$126,260
+HK$7,242/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,036/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,593
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,934
−HK$3,390/mo
Today · 4.125%
HK$131,324
baseline
▲ 0.50% · 4.625%
HK$138,247
+HK$6,923/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,648/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,659 · Scale 2, in force from 26 Feb 2026)