LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,445
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,388
−HK$1,973/mo
Today · 4.125%
HK$66,361
baseline
▲ 0.50% · 4.625%
HK$70,399
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,722/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,470
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,333
−HK$1,890/mo
Today · 4.125%
HK$73,223
baseline
▲ 0.50% · 4.625%
HK$77,083
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,446/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,934
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,265
−HK$2,368/mo
Today · 4.125%
HK$79,633
baseline
▲ 0.50% · 4.625%
HK$84,479
+HK$4,846/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,266/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,364
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,599
−HK$2,268/mo
Today · 4.125%
HK$87,867
baseline
▲ 0.50% · 4.625%
HK$92,499
+HK$4,632/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,734/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,423
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,143
−HK$2,763/mo
Today · 4.125%
HK$92,906
baseline
▲ 0.50% · 4.625%
HK$98,559
+HK$5,653/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,812/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,258
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,866
−HK$2,646/mo
Today · 4.125%
HK$102,512
baseline
▲ 0.50% · 4.625%
HK$107,916
+HK$5,404/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,024/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,401
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,898
−HK$3,552/mo
Today · 4.125%
HK$119,450
baseline
▲ 0.50% · 4.625%
HK$126,718
+HK$7,268/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,900/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,045
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,399
−HK$3,402/mo
Today · 4.125%
HK$131,801
baseline
▲ 0.50% · 4.625%
HK$138,749
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,602/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,870 · Scale 2, in force from 26 Feb 2026)