LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,244
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,180
−HK$1,967/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$70,172
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,246
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,103
−HK$1,884/mo
Today · 4.125%
HK$72,987
baseline
▲ 0.50% · 4.625%
HK$76,834
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,974/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,693
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,016
−HK$2,361/mo
Today · 4.125%
HK$79,377
baseline
▲ 0.50% · 4.625%
HK$84,207
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,754/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,095
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,324
−HK$2,260/mo
Today · 4.125%
HK$87,584
baseline
▲ 0.50% · 4.625%
HK$92,201
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,168/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,142
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,852
−HK$2,754/mo
Today · 4.125%
HK$92,606
baseline
▲ 0.50% · 4.625%
HK$98,241
+HK$5,635/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,212/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,944
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,544
−HK$2,638/mo
Today · 4.125%
HK$102,182
baseline
▲ 0.50% · 4.625%
HK$107,568
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,364/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,039
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,524
−HK$3,541/mo
Today · 4.125%
HK$119,065
baseline
▲ 0.50% · 4.625%
HK$126,310
+HK$7,245/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,130/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,643
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,985
−HK$3,392/mo
Today · 4.125%
HK$131,377
baseline
▲ 0.50% · 4.625%
HK$138,302
+HK$6,925/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,754/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,121 · Scale 2, in force from 26 Feb 2026)