LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,430
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,372
−HK$1,973/mo
Today · 4.125%
HK$66,345
baseline
▲ 0.50% · 4.625%
HK$70,382
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,690/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,453
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,316
−HK$1,889/mo
Today · 4.125%
HK$73,205
baseline
▲ 0.50% · 4.625%
HK$77,064
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,410/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,916
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,246
−HK$2,368/mo
Today · 4.125%
HK$79,614
baseline
▲ 0.50% · 4.625%
HK$84,458
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,228/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,343
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,579
−HK$2,267/mo
Today · 4.125%
HK$87,846
baseline
▲ 0.50% · 4.625%
HK$92,477
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,692/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,402
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,121
−HK$2,762/mo
Today · 4.125%
HK$92,883
baseline
▲ 0.50% · 4.625%
HK$98,535
+HK$5,652/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,766/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,234
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,842
−HK$2,645/mo
Today · 4.125%
HK$102,487
baseline
▲ 0.50% · 4.625%
HK$107,890
+HK$5,403/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,974/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,374
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,870
−HK$3,551/mo
Today · 4.125%
HK$119,421
baseline
▲ 0.50% · 4.625%
HK$126,688
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,842/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,015
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,368
−HK$3,401/mo
Today · 4.125%
HK$131,769
baseline
▲ 0.50% · 4.625%
HK$138,715
+HK$6,946/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,538/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,589 · Scale 2, in force from 26 Feb 2026)