LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,254
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,190
−HK$1,967/mo
Today · 4.125%
HK$66,157
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,314/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,257
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,114
−HK$1,884/mo
Today · 4.125%
HK$72,998
baseline
▲ 0.50% · 4.625%
HK$76,846
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,996/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,704
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,028
−HK$2,361/mo
Today · 4.125%
HK$79,389
baseline
▲ 0.50% · 4.625%
HK$84,220
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,778/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,108
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,337
−HK$2,261/mo
Today · 4.125%
HK$87,598
baseline
▲ 0.50% · 4.625%
HK$92,215
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,196/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,155
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,866
−HK$2,754/mo
Today · 4.125%
HK$92,620
baseline
▲ 0.50% · 4.625%
HK$98,256
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,240/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,959
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,560
−HK$2,638/mo
Today · 4.125%
HK$102,198
baseline
▲ 0.50% · 4.625%
HK$107,585
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,396/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,057
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,542
−HK$3,541/mo
Today · 4.125%
HK$119,083
baseline
▲ 0.50% · 4.625%
HK$126,329
+HK$7,246/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,166/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,662
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,005
−HK$3,392/mo
Today · 4.125%
HK$131,397
baseline
▲ 0.50% · 4.625%
HK$138,323
+HK$6,926/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,794/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,299 · Scale 2, in force from 26 Feb 2026)