LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,492
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,436
−HK$1,975/mo
Today · 4.125%
HK$66,411
baseline
▲ 0.50% · 4.625%
HK$70,452
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,822/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,522
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,386
−HK$1,892/mo
Today · 4.125%
HK$73,278
baseline
▲ 0.50% · 4.625%
HK$77,140
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,556/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,990
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,323
−HK$2,370/mo
Today · 4.125%
HK$79,693
baseline
▲ 0.50% · 4.625%
HK$84,542
+HK$4,849/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,386/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,426
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,664
−HK$2,269/mo
Today · 4.125%
HK$87,933
baseline
▲ 0.50% · 4.625%
HK$92,568
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,866/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,489
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,210
−HK$2,765/mo
Today · 4.125%
HK$92,975
baseline
▲ 0.50% · 4.625%
HK$98,633
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,950/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,331
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,941
−HK$2,648/mo
Today · 4.125%
HK$102,589
baseline
▲ 0.50% · 4.625%
HK$107,997
+HK$5,408/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,178/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,486
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,985
−HK$3,555/mo
Today · 4.125%
HK$119,540
baseline
▲ 0.50% · 4.625%
HK$126,813
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,080/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,139
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$128,495
−HK$3,405/mo
Today · 4.125%
HK$131,900
baseline
▲ 0.50% · 4.625%
HK$138,853
+HK$6,953/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,800/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,743 · Scale 2, in force from 26 Feb 2026)