LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,504
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,448
−HK$1,975/mo
Today · 4.125%
HK$66,423
baseline
▲ 0.50% · 4.625%
HK$70,465
+HK$4,042/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$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,535
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,400
−HK$1,892/mo
Today · 4.125%
HK$73,292
baseline
▲ 0.50% · 4.625%
HK$77,155
+HK$3,863/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,584/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,005
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,338
−HK$2,370/mo
Today · 4.125%
HK$79,708
baseline
▲ 0.50% · 4.625%
HK$84,558
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,416/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,442
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,680
−HK$2,270/mo
Today · 4.125%
HK$87,950
baseline
▲ 0.50% · 4.625%
HK$92,586
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,900/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,505
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,227
−HK$2,766/mo
Today · 4.125%
HK$92,993
baseline
▲ 0.50% · 4.625%
HK$98,651
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,986/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,349
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,960
−HK$2,648/mo
Today · 4.125%
HK$102,608
baseline
▲ 0.50% · 4.625%
HK$108,017
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,216/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,507
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,006
−HK$3,556/mo
Today · 4.125%
HK$119,562
baseline
▲ 0.50% · 4.625%
HK$126,837
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,124/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,163
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,519
−HK$3,406/mo
Today · 4.125%
HK$131,925
baseline
▲ 0.50% · 4.625%
HK$138,879
+HK$6,954/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,850/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,962 · Scale 2, in force from 26 Feb 2026)