LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,371
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,311
−HK$1,972/mo
Today · 4.125%
HK$66,283
baseline
▲ 0.50% · 4.625%
HK$70,316
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,566/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,387
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,248
−HK$1,888/mo
Today · 4.125%
HK$73,136
baseline
▲ 0.50% · 4.625%
HK$76,991
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,272/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,846
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,174
−HK$2,365/mo
Today · 4.125%
HK$79,539
baseline
▲ 0.50% · 4.625%
HK$84,379
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,078/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,265
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,498
−HK$2,265/mo
Today · 4.125%
HK$87,763
baseline
▲ 0.50% · 4.625%
HK$92,390
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,526/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,320
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,036
−HK$2,760/mo
Today · 4.125%
HK$92,796
baseline
▲ 0.50% · 4.625%
HK$98,442
+HK$5,646/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,592/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,142
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,748
−HK$2,643/mo
Today · 4.125%
HK$102,391
baseline
▲ 0.50% · 4.625%
HK$107,788
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,782/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,268
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,761
−HK$3,548/mo
Today · 4.125%
HK$119,309
baseline
▲ 0.50% · 4.625%
HK$126,568
+HK$7,259/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,618/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,897
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,247
−HK$3,398/mo
Today · 4.125%
HK$131,645
baseline
▲ 0.50% · 4.625%
HK$138,584
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,290/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,493 · Scale 2, in force from 26 Feb 2026)