LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,404
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,345
−HK$1,972/mo
Today · 4.125%
HK$66,317
baseline
▲ 0.50% · 4.625%
HK$70,352
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,634/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$1,889/mo
Today · 4.125%
HK$73,174
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,348/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,884
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,214
−HK$2,366/mo
Today · 4.125%
HK$79,580
baseline
▲ 0.50% · 4.625%
HK$84,423
+HK$4,843/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,160/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,308
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,543
−HK$2,266/mo
Today · 4.125%
HK$87,809
baseline
▲ 0.50% · 4.625%
HK$92,438
+HK$4,629/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,618/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,365
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,083
−HK$2,761/mo
Today · 4.125%
HK$92,844
baseline
▲ 0.50% · 4.625%
HK$98,493
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,688/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,193
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,800
−HK$2,644/mo
Today · 4.125%
HK$102,444
baseline
▲ 0.50% · 4.625%
HK$107,844
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,888/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,327
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,821
−HK$3,550/mo
Today · 4.125%
HK$119,371
baseline
▲ 0.50% · 4.625%
HK$126,634
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,742/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,962
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,314
−HK$3,400/mo
Today · 4.125%
HK$131,714
baseline
▲ 0.50% · 4.625%
HK$138,657
+HK$6,943/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,428/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,097 · Scale 2, in force from 26 Feb 2026)