LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,560
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,505
−HK$1,978/mo
Today · 4.125%
HK$66,483
baseline
▲ 0.50% · 4.625%
HK$70,528
+HK$4,045/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,966/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,597
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,463
−HK$1,894/mo
Today · 4.125%
HK$73,357
baseline
▲ 0.50% · 4.625%
HK$77,224
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,714/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,071
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,407
−HK$2,372/mo
Today · 4.125%
HK$79,779
baseline
▲ 0.50% · 4.625%
HK$84,633
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,558/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,516
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,756
−HK$2,272/mo
Today · 4.125%
HK$88,028
baseline
▲ 0.50% · 4.625%
HK$92,668
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,056/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,583
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,308
−HK$2,768/mo
Today · 4.125%
HK$93,076
baseline
▲ 0.50% · 4.625%
HK$98,739
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,152/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,436
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,049
−HK$2,651/mo
Today · 4.125%
HK$102,700
baseline
▲ 0.50% · 4.625%
HK$108,113
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,400/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,607
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,110
−HK$3,559/mo
Today · 4.125%
HK$119,669
baseline
▲ 0.50% · 4.625%
HK$126,950
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,338/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,274
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,634
−HK$3,409/mo
Today · 4.125%
HK$132,043
baseline
▲ 0.50% · 4.625%
HK$139,003
+HK$6,960/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,086/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,001 · Scale 2, in force from 26 Feb 2026)