LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,252
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,189
−HK$1,967/mo
Today · 4.125%
HK$66,156
baseline
▲ 0.50% · 4.625%
HK$70,181
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,312/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,255
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,112
−HK$1,884/mo
Today · 4.125%
HK$72,996
baseline
▲ 0.50% · 4.625%
HK$76,844
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,992/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,703
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,026
−HK$2,361/mo
Today · 4.125%
HK$79,387
baseline
▲ 0.50% · 4.625%
HK$84,218
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,774/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,106
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,335
−HK$2,261/mo
Today · 4.125%
HK$87,596
baseline
▲ 0.50% · 4.625%
HK$92,213
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,192/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,153
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,864
−HK$2,754/mo
Today · 4.125%
HK$92,618
baseline
▲ 0.50% · 4.625%
HK$98,254
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,236/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,957
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,557
−HK$2,638/mo
Today · 4.125%
HK$102,195
baseline
▲ 0.50% · 4.625%
HK$107,582
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,390/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,054
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,539
−HK$3,542/mo
Today · 4.125%
HK$119,081
baseline
▲ 0.50% · 4.625%
HK$126,326
+HK$7,245/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,162/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,659
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,002
−HK$3,392/mo
Today · 4.125%
HK$131,394
baseline
▲ 0.50% · 4.625%
HK$138,320
+HK$6,926/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,788/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,271 · Scale 2, in force from 26 Feb 2026)