LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,408
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,350
−HK$1,972/mo
Today · 4.125%
HK$66,322
baseline
▲ 0.50% · 4.625%
HK$70,357
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,644/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,429
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,291
−HK$1,889/mo
Today · 4.125%
HK$73,180
baseline
▲ 0.50% · 4.625%
HK$77,037
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,360/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,890
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,220
−HK$2,366/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$84,429
+HK$4,843/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,314
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,549
−HK$2,267/mo
Today · 4.125%
HK$87,816
baseline
▲ 0.50% · 4.625%
HK$92,444
+HK$4,628/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,632/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,372
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,089
−HK$2,762/mo
Today · 4.125%
HK$92,851
baseline
▲ 0.50% · 4.625%
HK$98,500
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,702/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,200
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,807
−HK$2,645/mo
Today · 4.125%
HK$102,452
baseline
▲ 0.50% · 4.625%
HK$107,852
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,904/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,335
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,829
−HK$3,550/mo
Today · 4.125%
HK$119,379
baseline
▲ 0.50% · 4.625%
HK$126,643
+HK$7,264/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,758/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,972
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,323
−HK$3,400/mo
Today · 4.125%
HK$131,723
baseline
▲ 0.50% · 4.625%
HK$138,667
+HK$6,944/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,446/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,183 · Scale 2, in force from 26 Feb 2026)