LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,404
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,346
−HK$1,972/mo
Today · 4.125%
HK$66,318
baseline
▲ 0.50% · 4.625%
HK$70,353
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,636/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,286
−HK$1,889/mo
Today · 4.125%
HK$73,175
baseline
▲ 0.50% · 4.625%
HK$77,032
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,350/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,885
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,215
−HK$2,366/mo
Today · 4.125%
HK$79,581
baseline
▲ 0.50% · 4.625%
HK$84,424
+HK$4,843/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,162/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,309
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,544
−HK$2,266/mo
Today · 4.125%
HK$87,810
baseline
▲ 0.50% · 4.625%
HK$92,439
+HK$4,629/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,620/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,366
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,084
−HK$2,761/mo
Today · 4.125%
HK$92,845
baseline
▲ 0.50% · 4.625%
HK$98,494
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,690/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,194
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,801
−HK$2,644/mo
Today · 4.125%
HK$102,445
baseline
▲ 0.50% · 4.625%
HK$107,845
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,890/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,328
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,822
−HK$3,550/mo
Today · 4.125%
HK$119,372
baseline
▲ 0.50% · 4.625%
HK$126,636
+HK$7,264/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,744/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,964
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,315
−HK$3,400/mo
Today · 4.125%
HK$131,715
baseline
▲ 0.50% · 4.625%
HK$138,658
+HK$6,943/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,430/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,111 · Scale 2, in force from 26 Feb 2026)