LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,523
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,468
−HK$1,976/mo
Today · 4.125%
HK$66,444
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,888/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,556
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,422
−HK$1,892/mo
Today · 4.125%
HK$73,314
baseline
▲ 0.50% · 4.625%
HK$77,178
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,628/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,027
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,361
−HK$2,371/mo
Today · 4.125%
HK$79,732
baseline
▲ 0.50% · 4.625%
HK$84,584
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,464/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,467
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,706
−HK$2,271/mo
Today · 4.125%
HK$87,977
baseline
▲ 0.50% · 4.625%
HK$92,614
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,954/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,532
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,255
−HK$2,766/mo
Today · 4.125%
HK$93,021
baseline
▲ 0.50% · 4.625%
HK$98,681
+HK$5,660/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,042/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,378
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$99,990
−HK$2,650/mo
Today · 4.125%
HK$102,640
baseline
▲ 0.50% · 4.625%
HK$108,050
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,280/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,541
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,042
−HK$3,556/mo
Today · 4.125%
HK$119,598
baseline
▲ 0.50% · 4.625%
HK$126,876
+HK$7,278/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,196/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,201
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,559
−HK$3,406/mo
Today · 4.125%
HK$131,965
baseline
▲ 0.50% · 4.625%
HK$138,921
+HK$6,956/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,930/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,318 · Scale 2, in force from 26 Feb 2026)