LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,552
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,498
−HK$1,976/mo
Today · 4.125%
HK$66,474
baseline
▲ 0.50% · 4.625%
HK$70,519
+HK$4,045/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$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,588
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,455
−HK$1,893/mo
Today · 4.125%
HK$73,348
baseline
▲ 0.50% · 4.625%
HK$77,214
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,696/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,062
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,397
−HK$2,372/mo
Today · 4.125%
HK$79,769
baseline
▲ 0.50% · 4.625%
HK$84,623
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,538/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,506
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,746
−HK$2,272/mo
Today · 4.125%
HK$88,018
baseline
▲ 0.50% · 4.625%
HK$92,657
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,036/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,573
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,297
−HK$2,767/mo
Today · 4.125%
HK$93,064
baseline
▲ 0.50% · 4.625%
HK$98,727
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,128/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,424
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,036
−HK$2,651/mo
Today · 4.125%
HK$102,687
baseline
▲ 0.50% · 4.625%
HK$108,100
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,374/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,593
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,096
−HK$3,558/mo
Today · 4.125%
HK$119,654
baseline
▲ 0.50% · 4.625%
HK$126,935
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,308/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,259
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,618
−HK$3,408/mo
Today · 4.125%
HK$132,026
baseline
▲ 0.50% · 4.625%
HK$138,986
+HK$6,960/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,052/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,858 · Scale 2, in force from 26 Feb 2026)