LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,393
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,334
−HK$1,972/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,412
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,273
−HK$1,889/mo
Today · 4.125%
HK$73,162
baseline
▲ 0.50% · 4.625%
HK$77,018
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,324/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,872
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,201
−HK$2,366/mo
Today · 4.125%
HK$79,567
baseline
▲ 0.50% · 4.625%
HK$84,408
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$159,134/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,294
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,528
−HK$2,266/mo
Today · 4.125%
HK$87,794
baseline
▲ 0.50% · 4.625%
HK$92,422
+HK$4,628/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$175,588/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,351
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,068
−HK$2,760/mo
Today · 4.125%
HK$92,828
baseline
▲ 0.50% · 4.625%
HK$98,477
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,656/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,177
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,783
−HK$2,644/mo
Today · 4.125%
HK$102,427
baseline
▲ 0.50% · 4.625%
HK$107,826
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,854/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,308
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,801
−HK$3,549/mo
Today · 4.125%
HK$119,350
baseline
▲ 0.50% · 4.625%
HK$126,613
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,700/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,941
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,292
−HK$3,399/mo
Today · 4.125%
HK$131,691
baseline
▲ 0.50% · 4.625%
HK$138,633
+HK$6,942/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,382/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,901 · Scale 2, in force from 26 Feb 2026)