LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,335
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,274
−HK$1,970/mo
Today · 4.125%
HK$66,244
baseline
▲ 0.50% · 4.625%
HK$70,274
+HK$4,030/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,488/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,347
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,207
−HK$1,886/mo
Today · 4.125%
HK$73,093
baseline
▲ 0.50% · 4.625%
HK$76,946
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,186/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,802
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,128
−HK$2,364/mo
Today · 4.125%
HK$79,492
baseline
▲ 0.50% · 4.625%
HK$84,329
+HK$4,837/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,984/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,216
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,448
−HK$2,264/mo
Today · 4.125%
HK$87,712
baseline
▲ 0.50% · 4.625%
HK$92,335
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,424/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,269
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,983
−HK$2,758/mo
Today · 4.125%
HK$92,741
baseline
▲ 0.50% · 4.625%
HK$98,384
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,482/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,085
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,689
−HK$2,642/mo
Today · 4.125%
HK$102,331
baseline
▲ 0.50% · 4.625%
HK$107,725
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,662/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,202
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,693
−HK$3,546/mo
Today · 4.125%
HK$119,239
baseline
▲ 0.50% · 4.625%
HK$126,494
+HK$7,255/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,478/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,824
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,172
−HK$3,396/mo
Today · 4.125%
HK$131,568
baseline
▲ 0.50% · 4.625%
HK$138,503
+HK$6,935/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,136/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,811 · Scale 2, in force from 26 Feb 2026)