LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,522
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,466
−HK$1,976/mo
Today · 4.125%
HK$66,442
baseline
▲ 0.50% · 4.625%
HK$70,485
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,884/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,555
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,420
−HK$1,893/mo
Today · 4.125%
HK$73,313
baseline
▲ 0.50% · 4.625%
HK$77,177
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,626/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,026
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,360
−HK$2,371/mo
Today · 4.125%
HK$79,731
baseline
▲ 0.50% · 4.625%
HK$84,582
+HK$4,851/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,462/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,466
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,704
−HK$2,271/mo
Today · 4.125%
HK$87,975
baseline
▲ 0.50% · 4.625%
HK$92,612
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,950/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,530
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,253
−HK$2,766/mo
Today · 4.125%
HK$93,019
baseline
▲ 0.50% · 4.625%
HK$98,679
+HK$5,660/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,038/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,377
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,988
−HK$2,650/mo
Today · 4.125%
HK$102,638
baseline
▲ 0.50% · 4.625%
HK$108,048
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,276/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,539
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,040
−HK$3,556/mo
Today · 4.125%
HK$119,596
baseline
▲ 0.50% · 4.625%
HK$126,873
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,192/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,198
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$128,556
−HK$3,407/mo
Today · 4.125%
HK$131,963
baseline
▲ 0.50% · 4.625%
HK$138,918
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,926/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,295 · Scale 2, in force from 26 Feb 2026)