LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,581
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,528
−HK$1,978/mo
Today · 4.125%
HK$66,506
baseline
▲ 0.50% · 4.625%
HK$70,552
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,012/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,621
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,488
−HK$1,895/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,251
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,098
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,434
−HK$2,373/mo
Today · 4.125%
HK$79,807
baseline
▲ 0.50% · 4.625%
HK$84,663
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,614/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,545
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,273/mo
Today · 4.125%
HK$88,059
baseline
▲ 0.50% · 4.625%
HK$92,701
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,118/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,614
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,339
−HK$2,769/mo
Today · 4.125%
HK$93,108
baseline
▲ 0.50% · 4.625%
HK$98,773
+HK$5,665/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,216/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,470
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,084
−HK$2,652/mo
Today · 4.125%
HK$102,736
baseline
▲ 0.50% · 4.625%
HK$108,151
+HK$5,415/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,472/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,646
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,150
−HK$3,560/mo
Today · 4.125%
HK$119,710
baseline
▲ 0.50% · 4.625%
HK$126,994
+HK$7,284/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,420/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,318
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,679
−HK$3,410/mo
Today · 4.125%
HK$132,089
baseline
▲ 0.50% · 4.625%
HK$139,051
+HK$6,962/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,178/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,407 · Scale 2, in force from 26 Feb 2026)