LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,245
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,181
−HK$1,967/mo
Today · 4.125%
HK$66,148
baseline
▲ 0.50% · 4.625%
HK$70,173
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,296/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,247
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,104
−HK$1,884/mo
Today · 4.125%
HK$72,988
baseline
▲ 0.50% · 4.625%
HK$76,835
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,976/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,694
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,017
−HK$2,361/mo
Today · 4.125%
HK$79,378
baseline
▲ 0.50% · 4.625%
HK$84,208
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,756/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,096
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,325
−HK$2,260/mo
Today · 4.125%
HK$87,585
baseline
▲ 0.50% · 4.625%
HK$92,202
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,170/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,143
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,853
−HK$2,754/mo
Today · 4.125%
HK$92,607
baseline
▲ 0.50% · 4.625%
HK$98,242
+HK$5,635/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,214/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,945
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,545
−HK$2,638/mo
Today · 4.125%
HK$102,183
baseline
▲ 0.50% · 4.625%
HK$107,569
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,366/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,041
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,526
−HK$3,540/mo
Today · 4.125%
HK$119,066
baseline
▲ 0.50% · 4.625%
HK$126,311
+HK$7,245/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,132/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,644
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,987
−HK$3,391/mo
Today · 4.125%
HK$131,378
baseline
▲ 0.50% · 4.625%
HK$138,303
+HK$6,925/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,756/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,134 · Scale 2, in force from 26 Feb 2026)