LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,555
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,501
−HK$1,977/mo
Today · 4.125%
HK$66,478
baseline
▲ 0.50% · 4.625%
HK$70,523
+HK$4,045/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,956/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,592
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,458
−HK$1,894/mo
Today · 4.125%
HK$73,352
baseline
▲ 0.50% · 4.625%
HK$77,218
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,704/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,066
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,401
−HK$2,373/mo
Today · 4.125%
HK$79,774
baseline
▲ 0.50% · 4.625%
HK$84,628
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,548/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,510
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,750
−HK$2,272/mo
Today · 4.125%
HK$88,022
baseline
▲ 0.50% · 4.625%
HK$92,662
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,044/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,577
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,301
−HK$2,768/mo
Today · 4.125%
HK$93,069
baseline
▲ 0.50% · 4.625%
HK$98,732
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,138/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,429
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,042
−HK$2,651/mo
Today · 4.125%
HK$102,693
baseline
▲ 0.50% · 4.625%
HK$108,106
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,386/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,599
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,102
−HK$3,558/mo
Today · 4.125%
HK$119,660
baseline
▲ 0.50% · 4.625%
HK$126,941
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,320/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,266
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,625
−HK$3,408/mo
Today · 4.125%
HK$132,033
baseline
▲ 0.50% · 4.625%
HK$138,993
+HK$6,960/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,066/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,920 · Scale 2, in force from 26 Feb 2026)