LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,454
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,397
−HK$1,974/mo
Today · 4.125%
HK$66,371
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,742/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,480
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,343
−HK$1,891/mo
Today · 4.125%
HK$73,234
baseline
▲ 0.50% · 4.625%
HK$77,094
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,468/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,945
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,277
−HK$2,368/mo
Today · 4.125%
HK$79,645
baseline
▲ 0.50% · 4.625%
HK$84,491
+HK$4,846/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$159,290/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,376
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,612
−HK$2,268/mo
Today · 4.125%
HK$87,880
baseline
▲ 0.50% · 4.625%
HK$92,513
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$175,760/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,436
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,156
−HK$2,763/mo
Today · 4.125%
HK$92,919
baseline
▲ 0.50% · 4.625%
HK$98,573
+HK$5,654/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,838/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,272
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,881
−HK$2,646/mo
Today · 4.125%
HK$102,527
baseline
▲ 0.50% · 4.625%
HK$107,932
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,054/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,418
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,915
−HK$3,553/mo
Today · 4.125%
HK$119,468
baseline
▲ 0.50% · 4.625%
HK$126,737
+HK$7,269/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,936/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,064
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,418
−HK$3,403/mo
Today · 4.125%
HK$131,821
baseline
▲ 0.50% · 4.625%
HK$138,769
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,642/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,042 · Scale 2, in force from 26 Feb 2026)