LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,480
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,424
−HK$1,974/mo
Today · 4.125%
HK$66,398
baseline
▲ 0.50% · 4.625%
HK$70,439
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,796/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,509
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,373
−HK$1,891/mo
Today · 4.125%
HK$73,264
baseline
▲ 0.50% · 4.625%
HK$77,126
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,528/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,976
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,309
−HK$2,369/mo
Today · 4.125%
HK$79,678
baseline
▲ 0.50% · 4.625%
HK$84,526
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,356/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,410
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,647
−HK$2,270/mo
Today · 4.125%
HK$87,917
baseline
▲ 0.50% · 4.625%
HK$92,551
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,834/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,472
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,193
−HK$2,765/mo
Today · 4.125%
HK$92,958
baseline
▲ 0.50% · 4.625%
HK$98,614
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,916/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,312
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,922
−HK$2,648/mo
Today · 4.125%
HK$102,570
baseline
▲ 0.50% · 4.625%
HK$107,976
+HK$5,406/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,140/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,464
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,963
−HK$3,554/mo
Today · 4.125%
HK$119,517
baseline
▲ 0.50% · 4.625%
HK$126,789
+HK$7,272/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,034/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,116
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,471
−HK$3,404/mo
Today · 4.125%
HK$131,875
baseline
▲ 0.50% · 4.625%
HK$138,827
+HK$6,952/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,750/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,524 · Scale 2, in force from 26 Feb 2026)