LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,262
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,968/mo
Today · 4.125%
HK$66,166
baseline
▲ 0.50% · 4.625%
HK$70,192
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,332/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,265
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,123
−HK$1,885/mo
Today · 4.125%
HK$73,008
baseline
▲ 0.50% · 4.625%
HK$76,856
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,016/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,714
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,038
−HK$2,361/mo
Today · 4.125%
HK$79,399
baseline
▲ 0.50% · 4.625%
HK$84,230
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,798/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,118
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,348
−HK$2,261/mo
Today · 4.125%
HK$87,609
baseline
▲ 0.50% · 4.625%
HK$92,227
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,218/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,166
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,878
−HK$2,754/mo
Today · 4.125%
HK$92,632
baseline
▲ 0.50% · 4.625%
HK$98,269
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,264/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,972
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,572
−HK$2,639/mo
Today · 4.125%
HK$102,211
baseline
▲ 0.50% · 4.625%
HK$107,598
+HK$5,387/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,422/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,071
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,557
−HK$3,542/mo
Today · 4.125%
HK$119,099
baseline
▲ 0.50% · 4.625%
HK$126,346
+HK$7,247/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,198/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,678
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,021
−HK$3,393/mo
Today · 4.125%
HK$131,414
baseline
▲ 0.50% · 4.625%
HK$138,341
+HK$6,927/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,828/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,448 · Scale 2, in force from 26 Feb 2026)