LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,432
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,374
−HK$1,973/mo
Today · 4.125%
HK$66,347
baseline
▲ 0.50% · 4.625%
HK$70,384
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,694/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,455
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,318
−HK$1,890/mo
Today · 4.125%
HK$73,208
baseline
▲ 0.50% · 4.625%
HK$77,067
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,416/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,919
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,249
−HK$2,368/mo
Today · 4.125%
HK$79,617
baseline
▲ 0.50% · 4.625%
HK$84,461
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,234/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,346
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,582
−HK$2,267/mo
Today · 4.125%
HK$87,849
baseline
▲ 0.50% · 4.625%
HK$92,480
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,698/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,405
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,124
−HK$2,762/mo
Today · 4.125%
HK$92,886
baseline
▲ 0.50% · 4.625%
HK$98,538
+HK$5,652/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$185,772/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,238
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,845
−HK$2,646/mo
Today · 4.125%
HK$102,491
baseline
▲ 0.50% · 4.625%
HK$107,893
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$204,982/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,378
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,874
−HK$3,551/mo
Today · 4.125%
HK$119,425
baseline
▲ 0.50% · 4.625%
HK$126,692
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,850/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,020
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,373
−HK$3,401/mo
Today · 4.125%
HK$131,774
baseline
▲ 0.50% · 4.625%
HK$138,720
+HK$6,946/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,548/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,630 · Scale 2, in force from 26 Feb 2026)