LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,534
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,479
−HK$1,976/mo
Today · 4.125%
HK$66,455
baseline
▲ 0.50% · 4.625%
HK$70,499
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,910/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,568
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,434
−HK$1,893/mo
Today · 4.125%
HK$73,327
baseline
▲ 0.50% · 4.625%
HK$77,192
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,654/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,040
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,374
−HK$2,372/mo
Today · 4.125%
HK$79,746
baseline
▲ 0.50% · 4.625%
HK$84,598
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,492/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,482
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,721
−HK$2,271/mo
Today · 4.125%
HK$87,992
baseline
▲ 0.50% · 4.625%
HK$92,630
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,984/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,547
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,270
−HK$2,767/mo
Today · 4.125%
HK$93,037
baseline
▲ 0.50% · 4.625%
HK$98,698
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,074/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,395
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,007
−HK$2,650/mo
Today · 4.125%
HK$102,657
baseline
▲ 0.50% · 4.625%
HK$108,068
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,314/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,560
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,062
−HK$3,557/mo
Today · 4.125%
HK$119,619
baseline
▲ 0.50% · 4.625%
HK$126,898
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,238/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,222
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,581
−HK$3,407/mo
Today · 4.125%
HK$131,988
baseline
▲ 0.50% · 4.625%
HK$138,945
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,976/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,517 · Scale 2, in force from 26 Feb 2026)