LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,503
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,447
−HK$1,976/mo
Today · 4.125%
HK$66,423
baseline
▲ 0.50% · 4.625%
HK$70,464
+HK$4,041/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,846/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,534
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,399
−HK$1,892/mo
Today · 4.125%
HK$73,291
baseline
▲ 0.50% · 4.625%
HK$77,154
+HK$3,863/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,582/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,004
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,337
−HK$2,370/mo
Today · 4.125%
HK$79,707
baseline
▲ 0.50% · 4.625%
HK$84,557
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,414/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,441
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,679
−HK$2,270/mo
Today · 4.125%
HK$87,949
baseline
▲ 0.50% · 4.625%
HK$92,585
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,898/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,226
−HK$2,766/mo
Today · 4.125%
HK$92,992
baseline
▲ 0.50% · 4.625%
HK$98,650
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,984/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,348
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,959
−HK$2,648/mo
Today · 4.125%
HK$102,607
baseline
▲ 0.50% · 4.625%
HK$108,016
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,214/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,506
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,005
−HK$3,556/mo
Today · 4.125%
HK$119,561
baseline
▲ 0.50% · 4.625%
HK$126,836
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,122/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,162
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,518
−HK$3,406/mo
Today · 4.125%
HK$131,924
baseline
▲ 0.50% · 4.625%
HK$138,878
+HK$6,954/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,848/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,952 · Scale 2, in force from 26 Feb 2026)