LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,364
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,304
−HK$1,971/mo
Today · 4.125%
HK$66,275
baseline
▲ 0.50% · 4.625%
HK$70,308
+HK$4,033/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,550/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,379
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,240
−HK$1,888/mo
Today · 4.125%
HK$73,128
baseline
▲ 0.50% · 4.625%
HK$76,982
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,256/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,837
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,165
−HK$2,365/mo
Today · 4.125%
HK$79,530
baseline
▲ 0.50% · 4.625%
HK$84,369
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,060/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,255
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,488
−HK$2,265/mo
Today · 4.125%
HK$87,753
baseline
▲ 0.50% · 4.625%
HK$92,379
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,506/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,310
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,026
−HK$2,759/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$98,431
+HK$5,646/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,131
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,736
−HK$2,643/mo
Today · 4.125%
HK$102,379
baseline
▲ 0.50% · 4.625%
HK$107,775
+HK$5,396/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,758/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,255
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,747
−HK$3,548/mo
Today · 4.125%
HK$119,295
baseline
▲ 0.50% · 4.625%
HK$126,554
+HK$7,259/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,590/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,883
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,232
−HK$3,398/mo
Today · 4.125%
HK$131,630
baseline
▲ 0.50% · 4.625%
HK$138,568
+HK$6,938/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,260/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,359 · Scale 2, in force from 26 Feb 2026)