LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,592
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,539
−HK$1,978/mo
Today · 4.125%
HK$66,517
baseline
▲ 0.50% · 4.625%
HK$70,564
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,034/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,633
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,500
−HK$1,895/mo
Today · 4.125%
HK$73,395
baseline
▲ 0.50% · 4.625%
HK$77,264
+HK$3,869/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,790/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,110
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,447
−HK$2,373/mo
Today · 4.125%
HK$79,820
baseline
▲ 0.50% · 4.625%
HK$84,677
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,640/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,559
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,800
−HK$2,274/mo
Today · 4.125%
HK$88,074
baseline
▲ 0.50% · 4.625%
HK$92,716
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,148/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,629
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,354
−HK$2,770/mo
Today · 4.125%
HK$93,124
baseline
▲ 0.50% · 4.625%
HK$98,790
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,248/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,486
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,100
−HK$2,653/mo
Today · 4.125%
HK$102,753
baseline
▲ 0.50% · 4.625%
HK$108,169
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,506/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,665
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,170
−HK$3,560/mo
Today · 4.125%
HK$119,730
baseline
▲ 0.50% · 4.625%
HK$127,016
+HK$7,286/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,460/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,339
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,701
−HK$3,410/mo
Today · 4.125%
HK$132,111
baseline
▲ 0.50% · 4.625%
HK$139,074
+HK$6,963/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,222/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,603 · Scale 2, in force from 26 Feb 2026)