LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,544
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,489
−HK$1,977/mo
Today · 4.125%
HK$66,466
baseline
▲ 0.50% · 4.625%
HK$70,510
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,932/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,580
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,446
−HK$1,893/mo
Today · 4.125%
HK$73,339
baseline
▲ 0.50% · 4.625%
HK$77,205
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,678/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,053
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,387
−HK$2,372/mo
Today · 4.125%
HK$79,759
baseline
▲ 0.50% · 4.625%
HK$84,612
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,518/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,495
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,735
−HK$2,271/mo
Today · 4.125%
HK$88,006
baseline
▲ 0.50% · 4.625%
HK$92,645
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,012/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,562
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,285
−HK$2,767/mo
Today · 4.125%
HK$93,052
baseline
▲ 0.50% · 4.625%
HK$98,715
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,104/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,411
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,024
−HK$2,650/mo
Today · 4.125%
HK$102,674
baseline
▲ 0.50% · 4.625%
HK$108,086
+HK$5,412/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,348/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,579
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,081
−HK$3,558/mo
Today · 4.125%
HK$119,639
baseline
▲ 0.50% · 4.625%
HK$126,919
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,278/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,243
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,602
−HK$3,408/mo
Today · 4.125%
HK$132,010
baseline
▲ 0.50% · 4.625%
HK$138,968
+HK$6,958/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,020/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,711 · Scale 2, in force from 26 Feb 2026)