LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,538
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,484
−HK$1,976/mo
Today · 4.125%
HK$66,460
baseline
▲ 0.50% · 4.625%
HK$70,504
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,920/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,573
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,439
−HK$1,893/mo
Today · 4.125%
HK$73,332
baseline
▲ 0.50% · 4.625%
HK$77,198
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,664/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,046
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,380
−HK$2,372/mo
Today · 4.125%
HK$79,752
baseline
▲ 0.50% · 4.625%
HK$84,605
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,504/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,488
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,727
−HK$2,272/mo
Today · 4.125%
HK$87,999
baseline
▲ 0.50% · 4.625%
HK$92,637
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$175,998/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,554
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,277
−HK$2,767/mo
Today · 4.125%
HK$93,044
baseline
▲ 0.50% · 4.625%
HK$98,706
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,088/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,403
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,015
−HK$2,650/mo
Today · 4.125%
HK$102,665
baseline
▲ 0.50% · 4.625%
HK$108,077
+HK$5,412/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,330/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,569
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,071
−HK$3,557/mo
Today · 4.125%
HK$119,628
baseline
▲ 0.50% · 4.625%
HK$126,907
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,256/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,232
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,591
−HK$3,407/mo
Today · 4.125%
HK$131,998
baseline
▲ 0.50% · 4.625%
HK$138,956
+HK$6,958/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,996/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,607 · Scale 2, in force from 26 Feb 2026)