LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,540
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,486
−HK$1,976/mo
Today · 4.125%
HK$66,462
baseline
▲ 0.50% · 4.625%
HK$70,506
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,924/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,575
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,441
−HK$1,893/mo
Today · 4.125%
HK$73,334
baseline
▲ 0.50% · 4.625%
HK$77,200
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,668/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,048
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,383
−HK$2,371/mo
Today · 4.125%
HK$79,754
baseline
▲ 0.50% · 4.625%
HK$84,607
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,508/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,490
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,730
−HK$2,271/mo
Today · 4.125%
HK$88,001
baseline
▲ 0.50% · 4.625%
HK$92,640
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,002/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,556
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,280
−HK$2,767/mo
Today · 4.125%
HK$93,047
baseline
▲ 0.50% · 4.625%
HK$98,709
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,094/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,405
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,018
−HK$2,650/mo
Today · 4.125%
HK$102,668
baseline
▲ 0.50% · 4.625%
HK$108,080
+HK$5,412/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,336/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,572
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,074
−HK$3,558/mo
Today · 4.125%
HK$119,632
baseline
▲ 0.50% · 4.625%
HK$126,911
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,264/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,236
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,594
−HK$3,408/mo
Today · 4.125%
HK$132,002
baseline
▲ 0.50% · 4.625%
HK$138,960
+HK$6,958/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$264,004/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,641 · Scale 2, in force from 26 Feb 2026)