LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,421
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,363
−HK$1,973/mo
Today · 4.125%
HK$66,336
baseline
▲ 0.50% · 4.625%
HK$70,372
+HK$4,036/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,672/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,443
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,306
−HK$1,889/mo
Today · 4.125%
HK$73,195
baseline
▲ 0.50% · 4.625%
HK$77,053
+HK$3,858/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,390/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,906
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,236
−HK$2,367/mo
Today · 4.125%
HK$79,603
baseline
▲ 0.50% · 4.625%
HK$84,447
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,206/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,332
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,567
−HK$2,267/mo
Today · 4.125%
HK$87,834
baseline
▲ 0.50% · 4.625%
HK$92,464
+HK$4,630/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,668/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,390
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,108
−HK$2,762/mo
Today · 4.125%
HK$92,870
baseline
▲ 0.50% · 4.625%
HK$98,521
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,740/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,221
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,828
−HK$2,645/mo
Today · 4.125%
HK$102,473
baseline
▲ 0.50% · 4.625%
HK$107,875
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,946/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,359
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,854
−HK$3,551/mo
Today · 4.125%
HK$119,405
baseline
▲ 0.50% · 4.625%
HK$126,670
+HK$7,265/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,810/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,998
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$128,350
−HK$3,401/mo
Today · 4.125%
HK$131,751
baseline
▲ 0.50% · 4.625%
HK$138,696
+HK$6,945/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,502/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,428 · Scale 2, in force from 26 Feb 2026)