LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,280
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,217
−HK$1,968/mo
Today · 4.125%
HK$66,185
baseline
▲ 0.50% · 4.625%
HK$70,212
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,370/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,285
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,144
−HK$1,885/mo
Today · 4.125%
HK$73,029
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$3,849/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,058/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,736
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,060
−HK$2,362/mo
Today · 4.125%
HK$79,422
baseline
▲ 0.50% · 4.625%
HK$84,255
+HK$4,833/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,844/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,143
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,372
−HK$2,262/mo
Today · 4.125%
HK$87,634
baseline
▲ 0.50% · 4.625%
HK$92,254
+HK$4,620/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,268/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,191
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,904
−HK$2,755/mo
Today · 4.125%
HK$92,659
baseline
▲ 0.50% · 4.625%
HK$98,297
+HK$5,638/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,318/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,000
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,601
−HK$2,639/mo
Today · 4.125%
HK$102,240
baseline
▲ 0.50% · 4.625%
HK$107,629
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,480/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,103
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,590
−HK$3,543/mo
Today · 4.125%
HK$119,133
baseline
▲ 0.50% · 4.625%
HK$126,382
+HK$7,249/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,266/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,714
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,059
−HK$3,393/mo
Today · 4.125%
HK$131,452
baseline
▲ 0.50% · 4.625%
HK$138,381
+HK$6,929/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,904/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,784 · Scale 2, in force from 26 Feb 2026)