LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,354
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,293
−HK$1,971/mo
Today · 4.125%
HK$66,264
baseline
▲ 0.50% · 4.625%
HK$70,296
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,528/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,368
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,228
−HK$1,888/mo
Today · 4.125%
HK$73,116
baseline
▲ 0.50% · 4.625%
HK$76,970
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,232/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,825
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,152
−HK$2,365/mo
Today · 4.125%
HK$79,517
baseline
▲ 0.50% · 4.625%
HK$84,355
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,034/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,242
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,474
−HK$2,265/mo
Today · 4.125%
HK$87,739
baseline
▲ 0.50% · 4.625%
HK$92,364
+HK$4,625/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,478/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,295
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,011
−HK$2,759/mo
Today · 4.125%
HK$92,770
baseline
▲ 0.50% · 4.625%
HK$98,414
+HK$5,644/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,540/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,115
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,720
−HK$2,642/mo
Today · 4.125%
HK$102,362
baseline
▲ 0.50% · 4.625%
HK$107,758
+HK$5,396/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,724/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,237
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,728
−HK$3,547/mo
Today · 4.125%
HK$119,275
baseline
▲ 0.50% · 4.625%
HK$126,533
+HK$7,258/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,550/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,862
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,211
−HK$3,397/mo
Today · 4.125%
HK$131,608
baseline
▲ 0.50% · 4.625%
HK$138,546
+HK$6,938/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,216/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,167 · Scale 2, in force from 26 Feb 2026)