LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,259
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,195
−HK$1,968/mo
Today · 4.125%
HK$66,163
baseline
▲ 0.50% · 4.625%
HK$70,189
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,326/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,262
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,120
−HK$1,884/mo
Today · 4.125%
HK$73,004
baseline
▲ 0.50% · 4.625%
HK$76,853
+HK$3,849/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,008/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,711
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,035
−HK$2,361/mo
Today · 4.125%
HK$79,396
baseline
▲ 0.50% · 4.625%
HK$84,227
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,792/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,115
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,344
−HK$2,261/mo
Today · 4.125%
HK$87,605
baseline
▲ 0.50% · 4.625%
HK$92,223
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,210/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,162
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,874
−HK$2,754/mo
Today · 4.125%
HK$92,628
baseline
▲ 0.50% · 4.625%
HK$98,264
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,256/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,967
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,568
−HK$2,638/mo
Today · 4.125%
HK$102,206
baseline
▲ 0.50% · 4.625%
HK$107,594
+HK$5,388/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,412/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,066
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,552
−HK$3,541/mo
Today · 4.125%
HK$119,093
baseline
▲ 0.50% · 4.625%
HK$126,340
+HK$7,247/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,186/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,672
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,016
−HK$3,392/mo
Today · 4.125%
HK$131,408
baseline
▲ 0.50% · 4.625%
HK$138,335
+HK$6,927/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,816/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,397 · Scale 2, in force from 26 Feb 2026)