LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,346
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,286
−HK$1,970/mo
Today · 4.125%
HK$66,256
baseline
▲ 0.50% · 4.625%
HK$70,288
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,512/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,360
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,220
−HK$1,887/mo
Today · 4.125%
HK$73,107
baseline
▲ 0.50% · 4.625%
HK$76,961
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,214/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,816
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,143
−HK$2,364/mo
Today · 4.125%
HK$79,507
baseline
▲ 0.50% · 4.625%
HK$84,345
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,014/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,232
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,464
−HK$2,264/mo
Today · 4.125%
HK$87,728
baseline
▲ 0.50% · 4.625%
HK$92,353
+HK$4,625/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,456/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,285
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$90,000
−HK$2,758/mo
Today · 4.125%
HK$92,758
baseline
▲ 0.50% · 4.625%
HK$98,403
+HK$5,645/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,516/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,104
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,708
−HK$2,642/mo
Today · 4.125%
HK$102,350
baseline
▲ 0.50% · 4.625%
HK$107,745
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,700/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,223
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,714
−HK$3,547/mo
Today · 4.125%
HK$119,261
baseline
▲ 0.50% · 4.625%
HK$126,518
+HK$7,257/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,522/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,847
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,196
−HK$3,397/mo
Today · 4.125%
HK$131,593
baseline
▲ 0.50% · 4.625%
HK$138,529
+HK$6,936/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,186/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,028 · Scale 2, in force from 26 Feb 2026)