LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,472
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,415
−HK$1,974/mo
Today · 4.125%
HK$66,389
baseline
▲ 0.50% · 4.625%
HK$70,429
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,778/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,499
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,363
−HK$1,891/mo
Today · 4.125%
HK$73,254
baseline
▲ 0.50% · 4.625%
HK$77,115
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,508/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,966
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,298
−HK$2,369/mo
Today · 4.125%
HK$79,667
baseline
▲ 0.50% · 4.625%
HK$84,515
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,334/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,399
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,636
−HK$2,269/mo
Today · 4.125%
HK$87,905
baseline
▲ 0.50% · 4.625%
HK$92,538
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,810/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,460
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,181
−HK$2,764/mo
Today · 4.125%
HK$92,945
baseline
▲ 0.50% · 4.625%
HK$98,600
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,890/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,299
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,908
−HK$2,648/mo
Today · 4.125%
HK$102,556
baseline
▲ 0.50% · 4.625%
HK$107,961
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,112/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,449
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,947
−HK$3,554/mo
Today · 4.125%
HK$119,501
baseline
▲ 0.50% · 4.625%
HK$126,772
+HK$7,271/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,002/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,098
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,454
−HK$3,403/mo
Today · 4.125%
HK$131,857
baseline
▲ 0.50% · 4.625%
HK$138,808
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,714/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,364 · Scale 2, in force from 26 Feb 2026)