LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,336
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,275
−HK$1,970/mo
Today · 4.125%
HK$66,245
baseline
▲ 0.50% · 4.625%
HK$70,276
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,490/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,348
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,208
−HK$1,887/mo
Today · 4.125%
HK$73,095
baseline
▲ 0.50% · 4.625%
HK$76,948
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,190/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,803
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,130
−HK$2,364/mo
Today · 4.125%
HK$79,494
baseline
▲ 0.50% · 4.625%
HK$84,331
+HK$4,837/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,988/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,218
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,450
−HK$2,264/mo
Today · 4.125%
HK$87,714
baseline
▲ 0.50% · 4.625%
HK$92,337
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,428/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,271
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,985
−HK$2,758/mo
Today · 4.125%
HK$92,743
baseline
▲ 0.50% · 4.625%
HK$98,386
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,486/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,088
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,691
−HK$2,642/mo
Today · 4.125%
HK$102,333
baseline
▲ 0.50% · 4.625%
HK$107,727
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,666/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,205
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,695
−HK$3,546/mo
Today · 4.125%
HK$119,241
baseline
▲ 0.50% · 4.625%
HK$126,497
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,482/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,827
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,175
−HK$3,396/mo
Today · 4.125%
HK$131,571
baseline
▲ 0.50% · 4.625%
HK$138,506
+HK$6,935/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,142/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,836 · Scale 2, in force from 26 Feb 2026)