LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,537
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,482
−HK$1,977/mo
Today · 4.125%
HK$66,459
baseline
▲ 0.50% · 4.625%
HK$70,502
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,918/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,572
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,438
−HK$1,892/mo
Today · 4.125%
HK$73,330
baseline
▲ 0.50% · 4.625%
HK$77,196
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,660/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,044
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,379
−HK$2,371/mo
Today · 4.125%
HK$79,750
baseline
▲ 0.50% · 4.625%
HK$84,603
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,500/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,486
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,725
−HK$2,272/mo
Today · 4.125%
HK$87,997
baseline
▲ 0.50% · 4.625%
HK$92,635
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$175,994/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,552
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,275
−HK$2,767/mo
Today · 4.125%
HK$93,042
baseline
▲ 0.50% · 4.625%
HK$98,703
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,084/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,400
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,013
−HK$2,650/mo
Today · 4.125%
HK$102,663
baseline
▲ 0.50% · 4.625%
HK$108,074
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,326/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,566
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,068
−HK$3,557/mo
Today · 4.125%
HK$119,625
baseline
▲ 0.50% · 4.625%
HK$126,904
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,250/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,229
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,588
−HK$3,407/mo
Today · 4.125%
HK$131,995
baseline
▲ 0.50% · 4.625%
HK$138,952
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,990/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,580 · Scale 2, in force from 26 Feb 2026)