LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,531
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,476
−HK$1,976/mo
Today · 4.125%
HK$66,452
baseline
▲ 0.50% · 4.625%
HK$70,495
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,904/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,565
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,430
−HK$1,893/mo
Today · 4.125%
HK$73,323
baseline
▲ 0.50% · 4.625%
HK$77,188
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,646/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,037
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,371
−HK$2,371/mo
Today · 4.125%
HK$79,742
baseline
▲ 0.50% · 4.625%
HK$84,594
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,484/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,477
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,716
−HK$2,272/mo
Today · 4.125%
HK$87,988
baseline
▲ 0.50% · 4.625%
HK$92,625
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,976/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,543
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,266
−HK$2,766/mo
Today · 4.125%
HK$93,032
baseline
▲ 0.50% · 4.625%
HK$98,693
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,064/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,390
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,002
−HK$2,650/mo
Today · 4.125%
HK$102,652
baseline
▲ 0.50% · 4.625%
HK$108,063
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,304/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,555
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$116,056
−HK$3,557/mo
Today · 4.125%
HK$119,613
baseline
▲ 0.50% · 4.625%
HK$126,891
+HK$7,278/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,226/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,216
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$128,574
−HK$3,407/mo
Today · 4.125%
HK$131,981
baseline
▲ 0.50% · 4.625%
HK$138,938
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,962/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,460 · Scale 2, in force from 26 Feb 2026)