LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,303
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,969/mo
Today · 4.125%
HK$66,210
baseline
▲ 0.50% · 4.625%
HK$70,239
+HK$4,029/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,420/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,311
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,170
−HK$1,886/mo
Today · 4.125%
HK$73,056
baseline
▲ 0.50% · 4.625%
HK$76,907
+HK$3,851/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,112/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,764
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,089
−HK$2,363/mo
Today · 4.125%
HK$79,452
baseline
▲ 0.50% · 4.625%
HK$84,286
+HK$4,834/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,904/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,174
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,404
−HK$2,263/mo
Today · 4.125%
HK$87,667
baseline
▲ 0.50% · 4.625%
HK$92,288
+HK$4,621/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,334/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,224
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,937
−HK$2,757/mo
Today · 4.125%
HK$92,694
baseline
▲ 0.50% · 4.625%
HK$98,334
+HK$5,640/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,388/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,036
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,639
−HK$2,640/mo
Today · 4.125%
HK$102,279
baseline
▲ 0.50% · 4.625%
HK$107,670
+HK$5,391/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,558/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,145
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,634
−HK$3,544/mo
Today · 4.125%
HK$119,178
baseline
▲ 0.50% · 4.625%
HK$126,430
+HK$7,252/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,356/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,761
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,107
−HK$3,394/mo
Today · 4.125%
HK$131,501
baseline
▲ 0.50% · 4.625%
HK$138,433
+HK$6,932/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$263,002/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,220 · Scale 2, in force from 26 Feb 2026)