LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,433
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,375
−HK$1,973/mo
Today · 4.125%
HK$66,348
baseline
▲ 0.50% · 4.625%
HK$70,385
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,696/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,456
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,319
−HK$1,890/mo
Today · 4.125%
HK$73,209
baseline
▲ 0.50% · 4.625%
HK$77,068
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,418/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,920
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,250
−HK$2,368/mo
Today · 4.125%
HK$79,618
baseline
▲ 0.50% · 4.625%
HK$84,462
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,236/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,347
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,583
−HK$2,267/mo
Today · 4.125%
HK$87,850
baseline
▲ 0.50% · 4.625%
HK$92,481
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,700/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,406
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,125
−HK$2,763/mo
Today · 4.125%
HK$92,888
baseline
▲ 0.50% · 4.625%
HK$98,539
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$185,776/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,239
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,847
−HK$2,645/mo
Today · 4.125%
HK$102,492
baseline
▲ 0.50% · 4.625%
HK$107,895
+HK$5,403/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$204,984/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,380
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,875
−HK$3,552/mo
Today · 4.125%
HK$119,427
baseline
▲ 0.50% · 4.625%
HK$126,694
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,854/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,021
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,374
−HK$3,402/mo
Today · 4.125%
HK$131,776
baseline
▲ 0.50% · 4.625%
HK$138,722
+HK$6,946/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,552/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,645 · Scale 2, in force from 26 Feb 2026)