LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,546
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,492
−HK$1,977/mo
Today · 4.125%
HK$66,469
baseline
▲ 0.50% · 4.625%
HK$70,513
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,938/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,582
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,448
−HK$1,894/mo
Today · 4.125%
HK$73,342
baseline
▲ 0.50% · 4.625%
HK$77,208
+HK$3,866/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,684/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,056
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,390
−HK$2,372/mo
Today · 4.125%
HK$79,762
baseline
▲ 0.50% · 4.625%
HK$84,616
+HK$4,854/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$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,499
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,738
−HK$2,272/mo
Today · 4.125%
HK$88,010
baseline
▲ 0.50% · 4.625%
HK$92,649
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,020/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,565
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,289
−HK$2,767/mo
Today · 4.125%
HK$93,056
baseline
▲ 0.50% · 4.625%
HK$98,718
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,112/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,415
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,028
−HK$2,650/mo
Today · 4.125%
HK$102,678
baseline
▲ 0.50% · 4.625%
HK$108,091
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,356/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,584
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,086
−HK$3,558/mo
Today · 4.125%
HK$119,644
baseline
▲ 0.50% · 4.625%
HK$126,924
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,288/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,248
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,607
−HK$3,408/mo
Today · 4.125%
HK$132,015
baseline
▲ 0.50% · 4.625%
HK$138,974
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,030/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,758 · Scale 2, in force from 26 Feb 2026)