LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,499
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,444
−HK$1,975/mo
Today · 4.125%
HK$66,419
baseline
▲ 0.50% · 4.625%
HK$70,460
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,838/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,530
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,395
−HK$1,892/mo
Today · 4.125%
HK$73,287
baseline
▲ 0.50% · 4.625%
HK$77,150
+HK$3,863/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,574/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,999
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,332
−HK$2,370/mo
Today · 4.125%
HK$79,702
baseline
▲ 0.50% · 4.625%
HK$84,552
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,404/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,436
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,674
−HK$2,270/mo
Today · 4.125%
HK$87,944
baseline
▲ 0.50% · 4.625%
HK$92,579
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,888/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,499
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,221
−HK$2,765/mo
Today · 4.125%
HK$92,986
baseline
▲ 0.50% · 4.625%
HK$98,644
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,972/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,342
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,953
−HK$2,648/mo
Today · 4.125%
HK$102,601
baseline
▲ 0.50% · 4.625%
HK$108,009
+HK$5,408/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,202/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,499
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$115,998
−HK$3,556/mo
Today · 4.125%
HK$119,554
baseline
▲ 0.50% · 4.625%
HK$126,828
+HK$7,274/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,108/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,154
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,511
−HK$3,405/mo
Today · 4.125%
HK$131,916
baseline
▲ 0.50% · 4.625%
HK$138,869
+HK$6,953/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,832/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,881 · Scale 2, in force from 26 Feb 2026)