LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,422
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,364
−HK$1,973/mo
Today · 4.125%
HK$66,337
baseline
▲ 0.50% · 4.625%
HK$70,373
+HK$4,036/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,674/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,444
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,307
−HK$1,889/mo
Today · 4.125%
HK$73,196
baseline
▲ 0.50% · 4.625%
HK$77,054
+HK$3,858/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,392/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,907
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,237
−HK$2,367/mo
Today · 4.125%
HK$79,604
baseline
▲ 0.50% · 4.625%
HK$84,448
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,208/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,333
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,568
−HK$2,267/mo
Today · 4.125%
HK$87,835
baseline
▲ 0.50% · 4.625%
HK$92,465
+HK$4,630/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,670/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,391
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,110
−HK$2,761/mo
Today · 4.125%
HK$92,871
baseline
▲ 0.50% · 4.625%
HK$98,522
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,742/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,222
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,829
−HK$2,645/mo
Today · 4.125%
HK$102,474
baseline
▲ 0.50% · 4.625%
HK$107,876
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,948/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,360
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,855
−HK$3,551/mo
Today · 4.125%
HK$119,406
baseline
▲ 0.50% · 4.625%
HK$126,672
+HK$7,266/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,812/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,999
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,352
−HK$3,401/mo
Today · 4.125%
HK$131,753
baseline
▲ 0.50% · 4.625%
HK$138,698
+HK$6,945/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,506/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,443 · Scale 2, in force from 26 Feb 2026)