LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,427
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,369
−HK$1,973/mo
Today · 4.125%
HK$66,342
baseline
▲ 0.50% · 4.625%
HK$70,379
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,684/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,450
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,312
−HK$1,890/mo
Today · 4.125%
HK$73,202
baseline
▲ 0.50% · 4.625%
HK$77,061
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,404/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,913
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,243
−HK$2,368/mo
Today · 4.125%
HK$79,611
baseline
▲ 0.50% · 4.625%
HK$84,455
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,222/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,340
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,575
−HK$2,267/mo
Today · 4.125%
HK$87,842
baseline
▲ 0.50% · 4.625%
HK$92,473
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,684/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,398
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,117
−HK$2,762/mo
Today · 4.125%
HK$92,879
baseline
▲ 0.50% · 4.625%
HK$98,531
+HK$5,652/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,758/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,230
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,837
−HK$2,646/mo
Today · 4.125%
HK$102,483
baseline
▲ 0.50% · 4.625%
HK$107,885
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,966/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,369
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,865
−HK$3,551/mo
Today · 4.125%
HK$119,416
baseline
▲ 0.50% · 4.625%
HK$126,682
+HK$7,266/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,832/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,010
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,362
−HK$3,402/mo
Today · 4.125%
HK$131,764
baseline
▲ 0.50% · 4.625%
HK$138,709
+HK$6,945/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,528/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,539 · Scale 2, in force from 26 Feb 2026)