LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,520
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,464
−HK$1,976/mo
Today · 4.125%
HK$66,440
baseline
▲ 0.50% · 4.625%
HK$70,483
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,880/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,552
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,418
−HK$1,892/mo
Today · 4.125%
HK$73,310
baseline
▲ 0.50% · 4.625%
HK$77,174
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,620/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,024
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,357
−HK$2,371/mo
Today · 4.125%
HK$79,728
baseline
▲ 0.50% · 4.625%
HK$84,579
+HK$4,851/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,456/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,463
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,701
−HK$2,271/mo
Today · 4.125%
HK$87,972
baseline
▲ 0.50% · 4.625%
HK$92,609
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,944/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,528
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,766/mo
Today · 4.125%
HK$93,016
baseline
▲ 0.50% · 4.625%
HK$98,676
+HK$5,660/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,032/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,373
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,985
−HK$2,649/mo
Today · 4.125%
HK$102,634
baseline
▲ 0.50% · 4.625%
HK$108,044
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,268/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,535
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,036
−HK$3,556/mo
Today · 4.125%
HK$119,592
baseline
▲ 0.50% · 4.625%
HK$126,869
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,184/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,194
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,552
−HK$3,406/mo
Today · 4.125%
HK$131,958
baseline
▲ 0.50% · 4.625%
HK$138,914
+HK$6,956/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,916/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,258 · Scale 2, in force from 26 Feb 2026)