LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,438
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,380
−HK$1,974/mo
Today · 4.125%
HK$66,354
baseline
▲ 0.50% · 4.625%
HK$70,391
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,708/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,462
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,325
−HK$1,890/mo
Today · 4.125%
HK$73,215
baseline
▲ 0.50% · 4.625%
HK$77,074
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,430/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,926
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,257
−HK$2,367/mo
Today · 4.125%
HK$79,624
baseline
▲ 0.50% · 4.625%
HK$84,469
+HK$4,845/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,248/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,354
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,590
−HK$2,268/mo
Today · 4.125%
HK$87,858
baseline
▲ 0.50% · 4.625%
HK$92,489
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,716/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,414
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,133
−HK$2,762/mo
Today · 4.125%
HK$92,895
baseline
▲ 0.50% · 4.625%
HK$98,548
+HK$5,653/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$185,790/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,247
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,855
−HK$2,646/mo
Today · 4.125%
HK$102,501
baseline
▲ 0.50% · 4.625%
HK$107,904
+HK$5,403/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$205,002/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,389
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,885
−HK$3,552/mo
Today · 4.125%
HK$119,437
baseline
▲ 0.50% · 4.625%
HK$126,704
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,874/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,032
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,385
−HK$3,402/mo
Today · 4.125%
HK$131,787
baseline
▲ 0.50% · 4.625%
HK$138,733
+HK$6,946/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,574/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,741 · Scale 2, in force from 26 Feb 2026)