LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,259
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,196
−HK$1,968/mo
Today · 4.125%
HK$66,164
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,328/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,263
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,121
−HK$1,884/mo
Today · 4.125%
HK$73,005
baseline
▲ 0.50% · 4.625%
HK$76,853
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,010/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,407 · 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$1,160,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,116
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,345
−HK$2,261/mo
Today · 4.125%
HK$87,606
baseline
▲ 0.50% · 4.625%
HK$92,224
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,212/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,163
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,874
−HK$2,755/mo
Today · 4.125%
HK$92,629
baseline
▲ 0.50% · 4.625%
HK$98,265
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,258/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,968
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,569
−HK$2,638/mo
Today · 4.125%
HK$102,207
baseline
▲ 0.50% · 4.625%
HK$107,594
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,414/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,067
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,553
−HK$3,541/mo
Today · 4.125%
HK$119,094
baseline
▲ 0.50% · 4.625%
HK$126,341
+HK$7,247/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,188/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,673
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,017
−HK$3,392/mo
Today · 4.125%
HK$131,409
baseline
▲ 0.50% · 4.625%
HK$138,336
+HK$6,927/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,818/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,407 · Scale 2, in force from 26 Feb 2026)