LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,339
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,970/mo
Today · 4.125%
HK$66,248
baseline
▲ 0.50% · 4.625%
HK$70,279
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,496/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,352
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,212
−HK$1,887/mo
Today · 4.125%
HK$73,099
baseline
▲ 0.50% · 4.625%
HK$76,952
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,198/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,807
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,134
−HK$2,364/mo
Today · 4.125%
HK$79,498
baseline
▲ 0.50% · 4.625%
HK$84,335
+HK$4,837/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$158,996/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,222
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,454
−HK$2,264/mo
Today · 4.125%
HK$87,718
baseline
▲ 0.50% · 4.625%
HK$92,342
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$175,436/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,275
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,990
−HK$2,758/mo
Today · 4.125%
HK$92,748
baseline
▲ 0.50% · 4.625%
HK$98,391
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,496/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,092
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,696
−HK$2,642/mo
Today · 4.125%
HK$102,338
baseline
▲ 0.50% · 4.625%
HK$107,732
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,676/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,211
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,701
−HK$3,546/mo
Today · 4.125%
HK$119,247
baseline
▲ 0.50% · 4.625%
HK$126,503
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,494/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,833
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,181
−HK$3,396/mo
Today · 4.125%
HK$131,577
baseline
▲ 0.50% · 4.625%
HK$138,513
+HK$6,936/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,154/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,894 · Scale 2, in force from 26 Feb 2026)