LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,435
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,377
−HK$1,973/mo
Today · 4.125%
HK$66,350
baseline
▲ 0.50% · 4.625%
HK$70,388
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,700/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,458
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,321
−HK$1,890/mo
Today · 4.125%
HK$73,211
baseline
▲ 0.50% · 4.625%
HK$77,070
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,422/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,922
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,253
−HK$2,367/mo
Today · 4.125%
HK$79,620
baseline
▲ 0.50% · 4.625%
HK$84,465
+HK$4,845/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,240/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,350
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,586
−HK$2,267/mo
Today · 4.125%
HK$87,853
baseline
▲ 0.50% · 4.625%
HK$92,484
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,706/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,409
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,128
−HK$2,763/mo
Today · 4.125%
HK$92,891
baseline
▲ 0.50% · 4.625%
HK$98,543
+HK$5,652/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$185,782/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,242
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,850
−HK$2,646/mo
Today · 4.125%
HK$102,496
baseline
▲ 0.50% · 4.625%
HK$107,898
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$204,992/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,383
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,879
−HK$3,552/mo
Today · 4.125%
HK$119,431
baseline
▲ 0.50% · 4.625%
HK$126,698
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,862/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,025
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,378
−HK$3,402/mo
Today · 4.125%
HK$131,780
baseline
▲ 0.50% · 4.625%
HK$138,726
+HK$6,946/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,560/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,682 · Scale 2, in force from 26 Feb 2026)