LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,551
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,497
−HK$1,977/mo
Today · 4.125%
HK$66,474
baseline
▲ 0.50% · 4.625%
HK$70,518
+HK$4,044/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,948/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,587
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,454
−HK$1,893/mo
Today · 4.125%
HK$73,347
baseline
▲ 0.50% · 4.625%
HK$77,213
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,694/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,061
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,396
−HK$2,372/mo
Today · 4.125%
HK$79,768
baseline
▲ 0.50% · 4.625%
HK$84,622
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,536/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,505
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,745
−HK$2,271/mo
Today · 4.125%
HK$88,016
baseline
▲ 0.50% · 4.625%
HK$92,656
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,032/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,572
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,296
−HK$2,767/mo
Today · 4.125%
HK$93,063
baseline
▲ 0.50% · 4.625%
HK$98,726
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,126/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,422
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,035
−HK$2,651/mo
Today · 4.125%
HK$102,686
baseline
▲ 0.50% · 4.625%
HK$108,099
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,372/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,592
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,094
−HK$3,559/mo
Today · 4.125%
HK$119,653
baseline
▲ 0.50% · 4.625%
HK$126,933
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,306/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,257
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,617
−HK$3,408/mo
Today · 4.125%
HK$132,025
baseline
▲ 0.50% · 4.625%
HK$138,984
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,050/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,844 · Scale 2, in force from 26 Feb 2026)