LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,509
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,453
−HK$1,976/mo
Today · 4.125%
HK$66,429
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$4,042/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,858/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,541
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$1,892/mo
Today · 4.125%
HK$73,298
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$3,863/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,596/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,011
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,344
−HK$2,371/mo
Today · 4.125%
HK$79,715
baseline
▲ 0.50% · 4.625%
HK$84,565
+HK$4,850/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,430/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,449
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,687
−HK$2,270/mo
Today · 4.125%
HK$87,957
baseline
▲ 0.50% · 4.625%
HK$92,594
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,914/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,513
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,235
−HK$2,766/mo
Today · 4.125%
HK$93,001
baseline
▲ 0.50% · 4.625%
HK$98,659
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$186,002/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,357
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,968
−HK$2,649/mo
Today · 4.125%
HK$102,617
baseline
▲ 0.50% · 4.625%
HK$108,026
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,234/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,516
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,016
−HK$3,556/mo
Today · 4.125%
HK$119,572
baseline
▲ 0.50% · 4.625%
HK$126,848
+HK$7,276/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,144/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,173
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,530
−HK$3,406/mo
Today · 4.125%
HK$131,936
baseline
▲ 0.50% · 4.625%
HK$138,891
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,872/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,061 · Scale 2, in force from 26 Feb 2026)