LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,256
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,192
−HK$1,968/mo
Today · 4.125%
HK$66,160
baseline
▲ 0.50% · 4.625%
HK$70,186
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,320/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,259
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,117
−HK$1,884/mo
Today · 4.125%
HK$73,001
baseline
▲ 0.50% · 4.625%
HK$76,849
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,002/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,707
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,031
−HK$2,361/mo
Today · 4.125%
HK$79,392
baseline
▲ 0.50% · 4.625%
HK$84,223
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,784/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,111
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,340
−HK$2,261/mo
Today · 4.125%
HK$87,601
baseline
▲ 0.50% · 4.625%
HK$92,219
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,202/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,158
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,869
−HK$2,755/mo
Today · 4.125%
HK$92,624
baseline
▲ 0.50% · 4.625%
HK$98,260
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,248/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,963
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,563
−HK$2,638/mo
Today · 4.125%
HK$102,201
baseline
▲ 0.50% · 4.625%
HK$107,588
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,402/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,061
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,546
−HK$3,542/mo
Today · 4.125%
HK$119,088
baseline
▲ 0.50% · 4.625%
HK$126,334
+HK$7,246/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,176/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,666
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,010
−HK$3,392/mo
Today · 4.125%
HK$131,402
baseline
▲ 0.50% · 4.625%
HK$138,328
+HK$6,926/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,804/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,341 · Scale 2, in force from 26 Feb 2026)