LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,370
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,310
−HK$1,971/mo
Today · 4.125%
HK$66,281
baseline
▲ 0.50% · 4.625%
HK$70,314
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,562/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,386
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,247
−HK$1,888/mo
Today · 4.125%
HK$73,135
baseline
▲ 0.50% · 4.625%
HK$76,990
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,270/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,844
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,172
−HK$2,366/mo
Today · 4.125%
HK$79,538
baseline
▲ 0.50% · 4.625%
HK$84,377
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,076/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,263
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,497
−HK$2,265/mo
Today · 4.125%
HK$87,762
baseline
▲ 0.50% · 4.625%
HK$92,388
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,524/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,318
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,034
−HK$2,760/mo
Today · 4.125%
HK$92,794
baseline
▲ 0.50% · 4.625%
HK$98,440
+HK$5,646/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,588/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,141
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,746
−HK$2,643/mo
Today · 4.125%
HK$102,389
baseline
▲ 0.50% · 4.625%
HK$107,786
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,778/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,266
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,758
−HK$3,548/mo
Today · 4.125%
HK$119,306
baseline
▲ 0.50% · 4.625%
HK$126,566
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,612/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,895
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,245
−HK$3,398/mo
Today · 4.125%
HK$131,643
baseline
▲ 0.50% · 4.625%
HK$138,582
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,286/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,472 · Scale 2, in force from 26 Feb 2026)