LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,576
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,523
−HK$1,977/mo
Today · 4.125%
HK$66,500
baseline
▲ 0.50% · 4.625%
HK$70,547
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,000/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,615
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,482
−HK$1,894/mo
Today · 4.125%
HK$73,376
baseline
▲ 0.50% · 4.625%
HK$77,244
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,752/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,091
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,427
−HK$2,373/mo
Today · 4.125%
HK$79,800
baseline
▲ 0.50% · 4.625%
HK$84,656
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,600/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,538
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,779
−HK$2,273/mo
Today · 4.125%
HK$88,052
baseline
▲ 0.50% · 4.625%
HK$92,693
+HK$4,641/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,104/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,606
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,332
−HK$2,768/mo
Today · 4.125%
HK$93,100
baseline
▲ 0.50% · 4.625%
HK$98,765
+HK$5,665/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,200/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,461
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,075
−HK$2,652/mo
Today · 4.125%
HK$102,727
baseline
▲ 0.50% · 4.625%
HK$108,142
+HK$5,415/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,454/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,637
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,141
−HK$3,559/mo
Today · 4.125%
HK$119,700
baseline
▲ 0.50% · 4.625%
HK$126,984
+HK$7,284/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,400/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,307
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,668
−HK$3,409/mo
Today · 4.125%
HK$132,077
baseline
▲ 0.50% · 4.625%
HK$139,039
+HK$6,962/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,154/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,309 · Scale 2, in force from 26 Feb 2026)