LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,263
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,199
−HK$1,968/mo
Today · 4.125%
HK$66,167
baseline
▲ 0.50% · 4.625%
HK$70,193
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,334/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,266
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,124
−HK$1,885/mo
Today · 4.125%
HK$73,009
baseline
▲ 0.50% · 4.625%
HK$76,857
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,018/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,715
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,039
−HK$2,361/mo
Today · 4.125%
HK$79,400
baseline
▲ 0.50% · 4.625%
HK$84,232
+HK$4,832/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,800/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,120
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,349
−HK$2,261/mo
Today · 4.125%
HK$87,610
baseline
▲ 0.50% · 4.625%
HK$92,229
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,220/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,168
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,879
−HK$2,755/mo
Today · 4.125%
HK$92,634
baseline
▲ 0.50% · 4.625%
HK$98,270
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,268/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,973
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,574
−HK$2,638/mo
Today · 4.125%
HK$102,212
baseline
▲ 0.50% · 4.625%
HK$107,600
+HK$5,388/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,424/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,073
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,559
−HK$3,542/mo
Today · 4.125%
HK$119,101
baseline
▲ 0.50% · 4.625%
HK$126,348
+HK$7,247/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,202/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,680
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,024
−HK$3,392/mo
Today · 4.125%
HK$131,416
baseline
▲ 0.50% · 4.625%
HK$138,343
+HK$6,927/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,832/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,466 · Scale 2, in force from 26 Feb 2026)