LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,400
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,341
−HK$1,972/mo
Today · 4.125%
HK$66,313
baseline
▲ 0.50% · 4.625%
HK$70,348
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,626/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,419
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,281
−HK$1,888/mo
Today · 4.125%
HK$73,169
baseline
▲ 0.50% · 4.625%
HK$77,026
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,338/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,880
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,209
−HK$2,366/mo
Today · 4.125%
HK$79,575
baseline
▲ 0.50% · 4.625%
HK$84,417
+HK$4,842/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,150/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,303
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,537
−HK$2,266/mo
Today · 4.125%
HK$87,803
baseline
▲ 0.50% · 4.625%
HK$92,432
+HK$4,629/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,606/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,359
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,077
−HK$2,761/mo
Today · 4.125%
HK$92,838
baseline
▲ 0.50% · 4.625%
HK$98,487
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,676/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,187
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,793
−HK$2,644/mo
Today · 4.125%
HK$102,437
baseline
▲ 0.50% · 4.625%
HK$107,837
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,874/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,319
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,813
−HK$3,550/mo
Today · 4.125%
HK$119,363
baseline
▲ 0.50% · 4.625%
HK$126,626
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,726/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,954
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,305
−HK$3,400/mo
Today · 4.125%
HK$131,705
baseline
▲ 0.50% · 4.625%
HK$138,647
+HK$6,942/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,410/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,021 · Scale 2, in force from 26 Feb 2026)