LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,441
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,973/mo
Today · 4.125%
HK$66,356
baseline
▲ 0.50% · 4.625%
HK$70,394
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,712/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,328
−HK$1,890/mo
Today · 4.125%
HK$73,218
baseline
▲ 0.50% · 4.625%
HK$77,077
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,436/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,929
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,260
−HK$2,368/mo
Today · 4.125%
HK$79,628
baseline
▲ 0.50% · 4.625%
HK$84,473
+HK$4,845/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,256/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,358
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,593
−HK$2,268/mo
Today · 4.125%
HK$87,861
baseline
▲ 0.50% · 4.625%
HK$92,492
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,722/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,417
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,136
−HK$2,763/mo
Today · 4.125%
HK$92,899
baseline
▲ 0.50% · 4.625%
HK$98,552
+HK$5,653/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$185,798/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,251
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,859
−HK$2,646/mo
Today · 4.125%
HK$102,505
baseline
▲ 0.50% · 4.625%
HK$107,908
+HK$5,403/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$205,010/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,393
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,889
−HK$3,552/mo
Today · 4.125%
HK$119,441
baseline
▲ 0.50% · 4.625%
HK$126,709
+HK$7,268/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,882/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,036
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,390
−HK$3,402/mo
Today · 4.125%
HK$131,792
baseline
▲ 0.50% · 4.625%
HK$138,739
+HK$6,947/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,584/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,787 · Scale 2, in force from 26 Feb 2026)