LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,266
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,203
−HK$1,968/mo
Today · 4.125%
HK$66,171
baseline
▲ 0.50% · 4.625%
HK$70,197
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,342/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,270
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,128
−HK$1,885/mo
Today · 4.125%
HK$73,013
baseline
▲ 0.50% · 4.625%
HK$76,862
+HK$3,849/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,026/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,719
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,044
−HK$2,361/mo
Today · 4.125%
HK$79,405
baseline
▲ 0.50% · 4.625%
HK$84,237
+HK$4,832/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,810/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,125
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,354
−HK$2,262/mo
Today · 4.125%
HK$87,616
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,232/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,173
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,884
−HK$2,755/mo
Today · 4.125%
HK$92,639
baseline
▲ 0.50% · 4.625%
HK$98,276
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,278/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,979
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,580
−HK$2,638/mo
Today · 4.125%
HK$102,218
baseline
▲ 0.50% · 4.625%
HK$107,606
+HK$5,388/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,436/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,079
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,565
−HK$3,542/mo
Today · 4.125%
HK$119,107
baseline
▲ 0.50% · 4.625%
HK$126,355
+HK$7,248/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,214/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,687
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,031
−HK$3,392/mo
Today · 4.125%
HK$131,423
baseline
▲ 0.50% · 4.625%
HK$138,351
+HK$6,928/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,846/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,533 · Scale 2, in force from 26 Feb 2026)