LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,250
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,187
−HK$1,967/mo
Today · 4.125%
HK$66,154
baseline
▲ 0.50% · 4.625%
HK$70,179
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,308/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,253
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,110
−HK$1,885/mo
Today · 4.125%
HK$72,995
baseline
▲ 0.50% · 4.625%
HK$76,842
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,990/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,701
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,024
−HK$2,361/mo
Today · 4.125%
HK$79,385
baseline
▲ 0.50% · 4.625%
HK$84,215
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,770/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,104
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,332
−HK$2,261/mo
Today · 4.125%
HK$87,593
baseline
▲ 0.50% · 4.625%
HK$92,211
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,186/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,151
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,862
−HK$2,754/mo
Today · 4.125%
HK$92,616
baseline
▲ 0.50% · 4.625%
HK$98,251
+HK$5,635/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,232/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,954
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,554
−HK$2,638/mo
Today · 4.125%
HK$102,192
baseline
▲ 0.50% · 4.625%
HK$107,579
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,384/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,051
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,536
−HK$3,541/mo
Today · 4.125%
HK$119,077
baseline
▲ 0.50% · 4.625%
HK$126,323
+HK$7,246/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,154/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,655
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$127,999
−HK$3,391/mo
Today · 4.125%
HK$131,390
baseline
▲ 0.50% · 4.625%
HK$138,316
+HK$6,926/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,780/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,240 · Scale 2, in force from 26 Feb 2026)