LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,580
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,527
−HK$1,978/mo
Today · 4.125%
HK$66,505
baseline
▲ 0.50% · 4.625%
HK$70,551
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,010/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,620
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,487
−HK$1,894/mo
Today · 4.125%
HK$73,381
baseline
▲ 0.50% · 4.625%
HK$77,249
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,762/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,096
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,432
−HK$2,373/mo
Today · 4.125%
HK$79,805
baseline
▲ 0.50% · 4.625%
HK$84,661
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,610/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,544
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,784
−HK$2,273/mo
Today · 4.125%
HK$88,057
baseline
▲ 0.50% · 4.625%
HK$92,699
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,114/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,612
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,338
−HK$2,768/mo
Today · 4.125%
HK$93,106
baseline
▲ 0.50% · 4.625%
HK$98,772
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,212/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,468
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,082
−HK$2,652/mo
Today · 4.125%
HK$102,734
baseline
▲ 0.50% · 4.625%
HK$108,149
+HK$5,415/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,468/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,644
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,148
−HK$3,560/mo
Today · 4.125%
HK$119,708
baseline
▲ 0.50% · 4.625%
HK$126,992
+HK$7,284/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,416/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,316
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,677
−HK$3,409/mo
Today · 4.125%
HK$132,086
baseline
▲ 0.50% · 4.625%
HK$139,049
+HK$6,963/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,172/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,386 · Scale 2, in force from 26 Feb 2026)