LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,528
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,976/mo
Today · 4.125%
HK$66,449
baseline
▲ 0.50% · 4.625%
HK$70,493
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,898/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,562
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,428
−HK$1,892/mo
Today · 4.125%
HK$73,320
baseline
▲ 0.50% · 4.625%
HK$77,185
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,640/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,034
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,368
−HK$2,371/mo
Today · 4.125%
HK$79,739
baseline
▲ 0.50% · 4.625%
HK$84,591
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,478/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,474
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,713
−HK$2,271/mo
Today · 4.125%
HK$87,984
baseline
▲ 0.50% · 4.625%
HK$92,622
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,968/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,540
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,263
−HK$2,766/mo
Today · 4.125%
HK$93,029
baseline
▲ 0.50% · 4.625%
HK$98,690
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,058/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,387
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,999
−HK$2,649/mo
Today · 4.125%
HK$102,648
baseline
▲ 0.50% · 4.625%
HK$108,059
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,296/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,551
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$116,052
−HK$3,557/mo
Today · 4.125%
HK$119,609
baseline
▲ 0.50% · 4.625%
HK$126,887
+HK$7,278/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,218/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,212
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,570
−HK$3,406/mo
Today · 4.125%
HK$131,976
baseline
▲ 0.50% · 4.625%
HK$138,933
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,952/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,418 · Scale 2, in force from 26 Feb 2026)