LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,575
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,521
−HK$1,978/mo
Today · 4.125%
HK$66,499
baseline
▲ 0.50% · 4.625%
HK$70,545
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,998/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,614
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,481
−HK$1,894/mo
Today · 4.125%
HK$73,375
baseline
▲ 0.50% · 4.625%
HK$77,242
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,750/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,089
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,425
−HK$2,373/mo
Today · 4.125%
HK$79,798
baseline
▲ 0.50% · 4.625%
HK$84,654
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,596/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,536
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,777
−HK$2,272/mo
Today · 4.125%
HK$88,049
baseline
▲ 0.50% · 4.625%
HK$92,691
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,098/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,604
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,329
−HK$2,769/mo
Today · 4.125%
HK$93,098
baseline
▲ 0.50% · 4.625%
HK$98,763
+HK$5,665/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,196/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,459
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,073
−HK$2,651/mo
Today · 4.125%
HK$102,724
baseline
▲ 0.50% · 4.625%
HK$108,139
+HK$5,415/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,448/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,634
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,138
−HK$3,559/mo
Today · 4.125%
HK$119,697
baseline
▲ 0.50% · 4.625%
HK$126,981
+HK$7,284/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,394/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,304
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,665
−HK$3,409/mo
Today · 4.125%
HK$132,074
baseline
▲ 0.50% · 4.625%
HK$139,036
+HK$6,962/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,148/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,280 · Scale 2, in force from 26 Feb 2026)