LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,546
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,491
−HK$1,977/mo
Today · 4.125%
HK$66,468
baseline
▲ 0.50% · 4.625%
HK$70,512
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,936/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,582
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,448
−HK$1,893/mo
Today · 4.125%
HK$73,341
baseline
▲ 0.50% · 4.625%
HK$77,207
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,682/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,055
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,390
−HK$2,372/mo
Today · 4.125%
HK$79,762
baseline
▲ 0.50% · 4.625%
HK$84,615
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,524/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,498
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,737
−HK$2,272/mo
Today · 4.125%
HK$88,009
baseline
▲ 0.50% · 4.625%
HK$92,648
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,018/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,564
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,288
−HK$2,767/mo
Today · 4.125%
HK$93,055
baseline
▲ 0.50% · 4.625%
HK$98,717
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,110/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,414
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,027
−HK$2,650/mo
Today · 4.125%
HK$102,677
baseline
▲ 0.50% · 4.625%
HK$108,090
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,354/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,583
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,084
−HK$3,558/mo
Today · 4.125%
HK$119,642
baseline
▲ 0.50% · 4.625%
HK$126,922
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,284/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,247
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,606
−HK$3,408/mo
Today · 4.125%
HK$132,014
baseline
▲ 0.50% · 4.625%
HK$138,972
+HK$6,958/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,028/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,746 · Scale 2, in force from 26 Feb 2026)