LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,550
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,496
−HK$1,977/mo
Today · 4.125%
HK$66,473
baseline
▲ 0.50% · 4.625%
HK$70,517
+HK$4,044/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,946/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,586
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,453
−HK$1,893/mo
Today · 4.125%
HK$73,346
baseline
▲ 0.50% · 4.625%
HK$77,212
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,692/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,060
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,395
−HK$2,372/mo
Today · 4.125%
HK$79,767
baseline
▲ 0.50% · 4.625%
HK$84,621
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,534/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,504
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,743
−HK$2,272/mo
Today · 4.125%
HK$88,015
baseline
▲ 0.50% · 4.625%
HK$92,654
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,030/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,570
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,294
−HK$2,768/mo
Today · 4.125%
HK$93,062
baseline
▲ 0.50% · 4.625%
HK$98,724
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,124/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,421
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,034
−HK$2,650/mo
Today · 4.125%
HK$102,684
baseline
▲ 0.50% · 4.625%
HK$108,097
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,368/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,590
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,092
−HK$3,559/mo
Today · 4.125%
HK$119,651
baseline
▲ 0.50% · 4.625%
HK$126,931
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,302/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,255
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,615
−HK$3,408/mo
Today · 4.125%
HK$132,023
baseline
▲ 0.50% · 4.625%
HK$138,982
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,046/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,825 · Scale 2, in force from 26 Feb 2026)