LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,511
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,456
−HK$1,975/mo
Today · 4.125%
HK$66,431
baseline
▲ 0.50% · 4.625%
HK$70,473
+HK$4,042/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,862/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,543
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,408
−HK$1,892/mo
Today · 4.125%
HK$73,300
baseline
▲ 0.50% · 4.625%
HK$77,164
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,600/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,013
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,370/mo
Today · 4.125%
HK$79,717
baseline
▲ 0.50% · 4.625%
HK$84,568
+HK$4,851/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,434/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,452
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,690
−HK$2,270/mo
Today · 4.125%
HK$87,960
baseline
▲ 0.50% · 4.625%
HK$92,597
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,920/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,515
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,238
−HK$2,765/mo
Today · 4.125%
HK$93,003
baseline
▲ 0.50% · 4.625%
HK$98,663
+HK$5,660/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$186,006/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,360
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,971
−HK$2,649/mo
Today · 4.125%
HK$102,620
baseline
▲ 0.50% · 4.625%
HK$108,029
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,240/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,520
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,020
−HK$3,556/mo
Today · 4.125%
HK$119,576
baseline
▲ 0.50% · 4.625%
HK$126,852
+HK$7,276/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,152/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,177
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,534
−HK$3,406/mo
Today · 4.125%
HK$131,940
baseline
▲ 0.50% · 4.625%
HK$138,895
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,880/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,098 · Scale 2, in force from 26 Feb 2026)