LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,553
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,499
−HK$1,977/mo
Today · 4.125%
HK$66,476
baseline
▲ 0.50% · 4.625%
HK$70,520
+HK$4,044/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,952/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,590
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,456
−HK$1,893/mo
Today · 4.125%
HK$73,349
baseline
▲ 0.50% · 4.625%
HK$77,216
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,698/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,064
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,398
−HK$2,373/mo
Today · 4.125%
HK$79,771
baseline
▲ 0.50% · 4.625%
HK$84,625
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,542/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,507
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,747
−HK$2,272/mo
Today · 4.125%
HK$88,019
baseline
▲ 0.50% · 4.625%
HK$92,659
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,038/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,574
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,298
−HK$2,768/mo
Today · 4.125%
HK$93,066
baseline
▲ 0.50% · 4.625%
HK$98,729
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,132/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,425
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,038
−HK$2,651/mo
Today · 4.125%
HK$102,689
baseline
▲ 0.50% · 4.625%
HK$108,102
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,378/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,595
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,098
−HK$3,558/mo
Today · 4.125%
HK$119,656
baseline
▲ 0.50% · 4.625%
HK$126,937
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,312/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,261
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,621
−HK$3,408/mo
Today · 4.125%
HK$132,029
baseline
▲ 0.50% · 4.625%
HK$138,988
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,058/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,879 · Scale 2, in force from 26 Feb 2026)