LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,486
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,430
−HK$1,975/mo
Today · 4.125%
HK$66,405
baseline
▲ 0.50% · 4.625%
HK$70,445
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,810/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,515
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,380
−HK$1,891/mo
Today · 4.125%
HK$73,271
baseline
▲ 0.50% · 4.625%
HK$77,133
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,542/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,984
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,316
−HK$2,370/mo
Today · 4.125%
HK$79,686
baseline
▲ 0.50% · 4.625%
HK$84,534
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,372/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,419
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,656
−HK$2,269/mo
Today · 4.125%
HK$87,925
baseline
▲ 0.50% · 4.625%
HK$92,560
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,850/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,481
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,202
−HK$2,765/mo
Today · 4.125%
HK$92,967
baseline
▲ 0.50% · 4.625%
HK$98,623
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,934/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,322
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,932
−HK$2,648/mo
Today · 4.125%
HK$102,580
baseline
▲ 0.50% · 4.625%
HK$107,987
+HK$5,407/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,160/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,475
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,974
−HK$3,555/mo
Today · 4.125%
HK$119,529
baseline
▲ 0.50% · 4.625%
HK$126,802
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,058/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,128
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,484
−HK$3,404/mo
Today · 4.125%
HK$131,888
baseline
▲ 0.50% · 4.625%
HK$138,840
+HK$6,952/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,776/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,637 · Scale 2, in force from 26 Feb 2026)