LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,301
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,239
−HK$1,969/mo
Today · 4.125%
HK$66,208
baseline
▲ 0.50% · 4.625%
HK$70,237
+HK$4,029/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,416/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,309
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,168
−HK$1,886/mo
Today · 4.125%
HK$73,054
baseline
▲ 0.50% · 4.625%
HK$76,905
+HK$3,851/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,108/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,761
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,087
−HK$2,363/mo
Today · 4.125%
HK$79,450
baseline
▲ 0.50% · 4.625%
HK$84,284
+HK$4,834/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,900/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,171
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,402
−HK$2,263/mo
Today · 4.125%
HK$87,665
baseline
▲ 0.50% · 4.625%
HK$92,286
+HK$4,621/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,330/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,222
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,935
−HK$2,756/mo
Today · 4.125%
HK$92,691
baseline
▲ 0.50% · 4.625%
HK$98,331
+HK$5,640/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,382/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,033
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,635
−HK$2,641/mo
Today · 4.125%
HK$102,276
baseline
▲ 0.50% · 4.625%
HK$107,667
+HK$5,391/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,552/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,142
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,630
−HK$3,544/mo
Today · 4.125%
HK$119,174
baseline
▲ 0.50% · 4.625%
HK$126,426
+HK$7,252/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,348/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,757
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,103
−HK$3,394/mo
Today · 4.125%
HK$131,497
baseline
▲ 0.50% · 4.625%
HK$138,428
+HK$6,931/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$262,994/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,185 · Scale 2, in force from 26 Feb 2026)