LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,255
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,191
−HK$1,967/mo
Today · 4.125%
HK$66,158
baseline
▲ 0.50% · 4.625%
HK$70,184
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,316/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,258
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,115
−HK$1,884/mo
Today · 4.125%
HK$72,999
baseline
▲ 0.50% · 4.625%
HK$76,847
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,998/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,705
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,029
−HK$2,361/mo
Today · 4.125%
HK$79,390
baseline
▲ 0.50% · 4.625%
HK$84,221
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,780/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,109
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,338
−HK$2,261/mo
Today · 4.125%
HK$87,599
baseline
▲ 0.50% · 4.625%
HK$92,217
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,198/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,156
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,867
−HK$2,755/mo
Today · 4.125%
HK$92,622
baseline
▲ 0.50% · 4.625%
HK$98,258
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,244/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,961
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,561
−HK$2,638/mo
Today · 4.125%
HK$102,199
baseline
▲ 0.50% · 4.625%
HK$107,586
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,398/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,058
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,544
−HK$3,541/mo
Today · 4.125%
HK$119,085
baseline
▲ 0.50% · 4.625%
HK$126,331
+HK$7,246/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,170/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,664
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,007
−HK$3,392/mo
Today · 4.125%
HK$131,399
baseline
▲ 0.50% · 4.625%
HK$138,325
+HK$6,926/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,798/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,317 · Scale 2, in force from 26 Feb 2026)