LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,276
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,213
−HK$1,968/mo
Today · 4.125%
HK$66,181
baseline
▲ 0.50% · 4.625%
HK$70,208
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,362/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,282
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,140
−HK$1,885/mo
Today · 4.125%
HK$73,025
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$3,849/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,050/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,731
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,056
−HK$2,362/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$84,250
+HK$4,832/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,138
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,368
−HK$2,262/mo
Today · 4.125%
HK$87,630
baseline
▲ 0.50% · 4.625%
HK$92,249
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$175,260/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,187
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,899
−HK$2,755/mo
Today · 4.125%
HK$92,654
baseline
▲ 0.50% · 4.625%
HK$98,292
+HK$5,638/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,308/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,994
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,596
−HK$2,639/mo
Today · 4.125%
HK$102,235
baseline
▲ 0.50% · 4.625%
HK$107,624
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,470/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,097
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,584
−HK$3,543/mo
Today · 4.125%
HK$119,127
baseline
▲ 0.50% · 4.625%
HK$126,375
+HK$7,248/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,254/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,707
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,052
−HK$3,393/mo
Today · 4.125%
HK$131,445
baseline
▲ 0.50% · 4.625%
HK$138,373
+HK$6,928/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,890/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,720 · Scale 2, in force from 26 Feb 2026)