LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,457
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,400
−HK$1,974/mo
Today · 4.125%
HK$66,374
baseline
▲ 0.50% · 4.625%
HK$70,413
+HK$4,039/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,748/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,483
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,347
−HK$1,890/mo
Today · 4.125%
HK$73,237
baseline
▲ 0.50% · 4.625%
HK$77,097
+HK$3,860/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,474/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,949
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,280
−HK$2,369/mo
Today · 4.125%
HK$79,649
baseline
▲ 0.50% · 4.625%
HK$84,495
+HK$4,846/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$159,298/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,380
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,616
−HK$2,268/mo
Today · 4.125%
HK$87,884
baseline
▲ 0.50% · 4.625%
HK$92,517
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$175,768/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,440
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,160
−HK$2,763/mo
Today · 4.125%
HK$92,923
baseline
▲ 0.50% · 4.625%
HK$98,578
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,846/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,276
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,885
−HK$2,647/mo
Today · 4.125%
HK$102,532
baseline
▲ 0.50% · 4.625%
HK$107,936
+HK$5,404/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,064/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,423
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,920
−HK$3,553/mo
Today · 4.125%
HK$119,473
baseline
▲ 0.50% · 4.625%
HK$126,743
+HK$7,270/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,946/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,070
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,424
−HK$3,403/mo
Today · 4.125%
HK$131,827
baseline
▲ 0.50% · 4.625%
HK$138,775
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,654/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,094 · Scale 2, in force from 26 Feb 2026)