LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,500
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,444
−HK$1,976/mo
Today · 4.125%
HK$66,420
baseline
▲ 0.50% · 4.625%
HK$70,461
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,840/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,531
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,396
−HK$1,892/mo
Today · 4.125%
HK$73,288
baseline
▲ 0.50% · 4.625%
HK$77,151
+HK$3,863/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,576/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,000
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,333
−HK$2,371/mo
Today · 4.125%
HK$79,704
baseline
▲ 0.50% · 4.625%
HK$84,553
+HK$4,849/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,408/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,437
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,675
−HK$2,270/mo
Today · 4.125%
HK$87,945
baseline
▲ 0.50% · 4.625%
HK$92,581
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,890/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,500
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,222
−HK$2,765/mo
Today · 4.125%
HK$92,987
baseline
▲ 0.50% · 4.625%
HK$98,646
+HK$5,659/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,974/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,343
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,954
−HK$2,649/mo
Today · 4.125%
HK$102,603
baseline
▲ 0.50% · 4.625%
HK$108,011
+HK$5,408/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,206/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,501
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$116,000
−HK$3,555/mo
Today · 4.125%
HK$119,555
baseline
▲ 0.50% · 4.625%
HK$126,830
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,110/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,156
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,512
−HK$3,406/mo
Today · 4.125%
HK$131,918
baseline
▲ 0.50% · 4.625%
HK$138,871
+HK$6,953/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,836/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,897 · Scale 2, in force from 26 Feb 2026)