LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,261
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,967/mo
Today · 4.125%
HK$66,165
baseline
▲ 0.50% · 4.625%
HK$70,191
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,330/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,265
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,122
−HK$1,885/mo
Today · 4.125%
HK$73,007
baseline
▲ 0.50% · 4.625%
HK$76,855
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,014/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,713
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,037
−HK$2,361/mo
Today · 4.125%
HK$79,398
baseline
▲ 0.50% · 4.625%
HK$84,229
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,796/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,118
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,347
−HK$2,261/mo
Today · 4.125%
HK$87,608
baseline
▲ 0.50% · 4.625%
HK$92,226
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,216/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,165
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,877
−HK$2,754/mo
Today · 4.125%
HK$92,631
baseline
▲ 0.50% · 4.625%
HK$98,268
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,262/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,970
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,571
−HK$2,638/mo
Today · 4.125%
HK$102,209
baseline
▲ 0.50% · 4.625%
HK$107,597
+HK$5,388/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,418/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,070
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,556
−HK$3,541/mo
Today · 4.125%
HK$119,097
baseline
▲ 0.50% · 4.625%
HK$126,344
+HK$7,247/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,194/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,676
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,020
−HK$3,392/mo
Today · 4.125%
HK$131,412
baseline
▲ 0.50% · 4.625%
HK$138,339
+HK$6,927/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,824/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,435 · Scale 2, in force from 26 Feb 2026)