LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,388
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,972/mo
Today · 4.125%
HK$66,300
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,600/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,406
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,267
−HK$1,888/mo
Today · 4.125%
HK$73,155
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,310/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,865
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,194
−HK$2,366/mo
Today · 4.125%
HK$79,560
baseline
▲ 0.50% · 4.625%
HK$84,401
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$159,120/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,287
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,520
−HK$2,266/mo
Today · 4.125%
HK$87,786
baseline
▲ 0.50% · 4.625%
HK$92,414
+HK$4,628/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$175,572/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,343
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,059
−HK$2,761/mo
Today · 4.125%
HK$92,820
baseline
▲ 0.50% · 4.625%
HK$98,468
+HK$5,648/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,640/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,168
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,774
−HK$2,643/mo
Today · 4.125%
HK$102,417
baseline
▲ 0.50% · 4.625%
HK$107,816
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,834/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,298
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,791
−HK$3,549/mo
Today · 4.125%
HK$119,340
baseline
▲ 0.50% · 4.625%
HK$126,601
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,680/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,930
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,281
−HK$3,399/mo
Today · 4.125%
HK$131,680
baseline
▲ 0.50% · 4.625%
HK$138,621
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,360/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,796 · Scale 2, in force from 26 Feb 2026)