LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,478
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,974/mo
Today · 4.125%
HK$66,396
baseline
▲ 0.50% · 4.625%
HK$70,436
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,792/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,506
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,370
−HK$1,891/mo
Today · 4.125%
HK$73,261
baseline
▲ 0.50% · 4.625%
HK$77,123
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,522/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,974
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,306
−HK$2,369/mo
Today · 4.125%
HK$79,675
baseline
▲ 0.50% · 4.625%
HK$84,523
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,350/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,407
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,644
−HK$2,270/mo
Today · 4.125%
HK$87,914
baseline
▲ 0.50% · 4.625%
HK$92,548
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,828/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,469
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,190
−HK$2,764/mo
Today · 4.125%
HK$92,954
baseline
▲ 0.50% · 4.625%
HK$98,610
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,908/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,309
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,919
−HK$2,647/mo
Today · 4.125%
HK$102,566
baseline
▲ 0.50% · 4.625%
HK$107,972
+HK$5,406/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,132/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,461
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,959
−HK$3,554/mo
Today · 4.125%
HK$119,513
baseline
▲ 0.50% · 4.625%
HK$126,785
+HK$7,272/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,026/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,111
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,467
−HK$3,404/mo
Today · 4.125%
HK$131,871
baseline
▲ 0.50% · 4.625%
HK$138,822
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,742/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,483 · Scale 2, in force from 26 Feb 2026)