LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,590
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,537
−HK$1,978/mo
Today · 4.125%
HK$66,515
baseline
▲ 0.50% · 4.625%
HK$70,562
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,030/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,631
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,498
−HK$1,895/mo
Today · 4.125%
HK$73,393
baseline
▲ 0.50% · 4.625%
HK$77,261
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,786/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,108
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,444
−HK$2,374/mo
Today · 4.125%
HK$79,818
baseline
▲ 0.50% · 4.625%
HK$84,675
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,636/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,557
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,798
−HK$2,273/mo
Today · 4.125%
HK$88,071
baseline
▲ 0.50% · 4.625%
HK$92,713
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,142/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,626
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,352
−HK$2,769/mo
Today · 4.125%
HK$93,121
baseline
▲ 0.50% · 4.625%
HK$98,787
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,242/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,483
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,097
−HK$2,653/mo
Today · 4.125%
HK$102,750
baseline
▲ 0.50% · 4.625%
HK$108,166
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,500/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,662
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,166
−HK$3,561/mo
Today · 4.125%
HK$119,727
baseline
▲ 0.50% · 4.625%
HK$127,012
+HK$7,285/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,454/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,335
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,697
−HK$3,410/mo
Today · 4.125%
HK$132,107
baseline
▲ 0.50% · 4.625%
HK$139,070
+HK$6,963/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,214/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,567 · Scale 2, in force from 26 Feb 2026)