LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,268
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,204
−HK$1,968/mo
Today · 4.125%
HK$66,172
baseline
▲ 0.50% · 4.625%
HK$70,199
+HK$4,027/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,344/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,272
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,130
−HK$1,885/mo
Today · 4.125%
HK$73,015
baseline
▲ 0.50% · 4.625%
HK$76,863
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,030/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,721
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,045
−HK$2,362/mo
Today · 4.125%
HK$79,407
baseline
▲ 0.50% · 4.625%
HK$84,238
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,814/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,126
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,356
−HK$2,261/mo
Today · 4.125%
HK$87,617
baseline
▲ 0.50% · 4.625%
HK$92,236
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,234/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,175
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,886
−HK$2,755/mo
Today · 4.125%
HK$92,641
baseline
▲ 0.50% · 4.625%
HK$98,278
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,981
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,582
−HK$2,638/mo
Today · 4.125%
HK$102,220
baseline
▲ 0.50% · 4.625%
HK$107,609
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,440/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,082
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,568
−HK$3,542/mo
Today · 4.125%
HK$119,110
baseline
▲ 0.50% · 4.625%
HK$126,358
+HK$7,248/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,220/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,690
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,034
−HK$3,392/mo
Today · 4.125%
HK$131,426
baseline
▲ 0.50% · 4.625%
HK$138,354
+HK$6,928/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,852/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,558 · Scale 2, in force from 26 Feb 2026)