LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,332
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,271
−HK$1,970/mo
Today · 4.125%
HK$66,241
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,482/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,344
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,204
−HK$1,886/mo
Today · 4.125%
HK$73,090
baseline
▲ 0.50% · 4.625%
HK$76,943
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,180/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,799
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,125
−HK$2,364/mo
Today · 4.125%
HK$79,489
baseline
▲ 0.50% · 4.625%
HK$84,326
+HK$4,837/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,978/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,213
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,444
−HK$2,264/mo
Today · 4.125%
HK$87,708
baseline
▲ 0.50% · 4.625%
HK$92,332
+HK$4,624/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,416/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,265
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,980
−HK$2,757/mo
Today · 4.125%
HK$92,737
baseline
▲ 0.50% · 4.625%
HK$98,380
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,474/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,082
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,685
−HK$2,642/mo
Today · 4.125%
HK$102,327
baseline
▲ 0.50% · 4.625%
HK$107,720
+HK$5,393/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,654/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,198
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,688
−HK$3,546/mo
Today · 4.125%
HK$119,234
baseline
▲ 0.50% · 4.625%
HK$126,489
+HK$7,255/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,468/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,819
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,167
−HK$3,396/mo
Today · 4.125%
HK$131,563
baseline
▲ 0.50% · 4.625%
HK$138,498
+HK$6,935/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,126/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,764 · Scale 2, in force from 26 Feb 2026)