LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,284
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,222
−HK$1,968/mo
Today · 4.125%
HK$66,190
baseline
▲ 0.50% · 4.625%
HK$70,217
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,380/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,291
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,149
−HK$1,885/mo
Today · 4.125%
HK$73,034
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,068/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,741
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,066
−HK$2,362/mo
Today · 4.125%
HK$79,428
baseline
▲ 0.50% · 4.625%
HK$84,261
+HK$4,833/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,856/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,149
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,379
−HK$2,262/mo
Today · 4.125%
HK$87,641
baseline
▲ 0.50% · 4.625%
HK$92,261
+HK$4,620/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,282/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,198
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,910
−HK$2,756/mo
Today · 4.125%
HK$92,666
baseline
▲ 0.50% · 4.625%
HK$98,304
+HK$5,638/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,332/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,007
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,608
−HK$2,640/mo
Today · 4.125%
HK$102,248
baseline
▲ 0.50% · 4.625%
HK$107,637
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,496/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,112
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,599
−HK$3,543/mo
Today · 4.125%
HK$119,142
baseline
▲ 0.50% · 4.625%
HK$126,391
+HK$7,249/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,284/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,723
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,068
−HK$3,393/mo
Today · 4.125%
HK$131,461
baseline
▲ 0.50% · 4.625%
HK$138,391
+HK$6,930/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,922/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,869 · Scale 2, in force from 26 Feb 2026)