LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,331
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,269
−HK$1,970/mo
Today · 4.125%
HK$66,239
baseline
▲ 0.50% · 4.625%
HK$70,270
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,478/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,342
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,202
−HK$1,887/mo
Today · 4.125%
HK$73,089
baseline
▲ 0.50% · 4.625%
HK$76,941
+HK$3,852/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,178/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,797
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,123
−HK$2,364/mo
Today · 4.125%
HK$79,487
baseline
▲ 0.50% · 4.625%
HK$84,324
+HK$4,837/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,974/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,211
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,442
−HK$2,264/mo
Today · 4.125%
HK$87,706
baseline
▲ 0.50% · 4.625%
HK$92,329
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,412/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,263
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,977
−HK$2,758/mo
Today · 4.125%
HK$92,735
baseline
▲ 0.50% · 4.625%
HK$98,378
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,470/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,079
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,683
−HK$2,641/mo
Today · 4.125%
HK$102,324
baseline
▲ 0.50% · 4.625%
HK$107,718
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,648/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,195
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,685
−HK$3,546/mo
Today · 4.125%
HK$119,231
baseline
▲ 0.50% · 4.625%
HK$126,486
+HK$7,255/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,462/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,816
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,163
−HK$3,396/mo
Today · 4.125%
HK$131,559
baseline
▲ 0.50% · 4.625%
HK$138,494
+HK$6,935/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,118/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,735 · Scale 2, in force from 26 Feb 2026)