LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,383
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,323
−HK$1,972/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$70,329
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,400
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,262
−HK$1,888/mo
Today · 4.125%
HK$73,150
baseline
▲ 0.50% · 4.625%
HK$77,006
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,300/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,860
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,188
−HK$2,366/mo
Today · 4.125%
HK$79,554
baseline
▲ 0.50% · 4.625%
HK$84,395
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,108/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,280
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,514
−HK$2,266/mo
Today · 4.125%
HK$87,780
baseline
▲ 0.50% · 4.625%
HK$92,407
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,560/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,336
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,760/mo
Today · 4.125%
HK$92,813
baseline
▲ 0.50% · 4.625%
HK$98,460
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,626/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,161
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,766
−HK$2,644/mo
Today · 4.125%
HK$102,410
baseline
▲ 0.50% · 4.625%
HK$107,808
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,820/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,289
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,782
−HK$3,549/mo
Today · 4.125%
HK$119,331
baseline
▲ 0.50% · 4.625%
HK$126,592
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,662/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,921
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,271
−HK$3,399/mo
Today · 4.125%
HK$131,670
baseline
▲ 0.50% · 4.625%
HK$138,610
+HK$6,940/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,340/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,709 · Scale 2, in force from 26 Feb 2026)