LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,571
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,977/mo
Today · 4.125%
HK$66,495
baseline
▲ 0.50% · 4.625%
HK$70,541
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,990/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,610
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,477
−HK$1,894/mo
Today · 4.125%
HK$73,371
baseline
▲ 0.50% · 4.625%
HK$77,238
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,742/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,086
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,421
−HK$2,373/mo
Today · 4.125%
HK$79,794
baseline
▲ 0.50% · 4.625%
HK$84,650
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.46M · min. income ≈ HK$159,588/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,532
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,772
−HK$2,273/mo
Today · 4.125%
HK$88,045
baseline
▲ 0.50% · 4.625%
HK$92,686
+HK$4,641/mo
Deposit HK$10.98M · loan HK$16.46M · min. income ≈ HK$176,090/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,600
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,325
−HK$2,768/mo
Today · 4.125%
HK$93,093
baseline
▲ 0.50% · 4.625%
HK$98,758
+HK$5,665/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,186/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,454
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,068
−HK$2,651/mo
Today · 4.125%
HK$102,719
baseline
▲ 0.50% · 4.625%
HK$108,134
+HK$5,415/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,438/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,629
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,132
−HK$3,559/mo
Today · 4.125%
HK$119,691
baseline
▲ 0.50% · 4.625%
HK$126,974
+HK$7,283/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,382/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,298
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,659
−HK$3,409/mo
Today · 4.125%
HK$132,068
baseline
▲ 0.50% · 4.625%
HK$139,029
+HK$6,961/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,136/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,223 · Scale 2, in force from 26 Feb 2026)