LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,594
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,541
−HK$1,978/mo
Today · 4.125%
HK$66,519
baseline
▲ 0.50% · 4.625%
HK$70,567
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,038/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,635
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,503
−HK$1,894/mo
Today · 4.125%
HK$73,397
baseline
▲ 0.50% · 4.625%
HK$77,266
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,794/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,113
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,449
−HK$2,374/mo
Today · 4.125%
HK$79,823
baseline
▲ 0.50% · 4.625%
HK$84,680
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,646/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,562
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,803
−HK$2,274/mo
Today · 4.125%
HK$88,077
baseline
▲ 0.50% · 4.625%
HK$92,719
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,154/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,631
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,357
−HK$2,770/mo
Today · 4.125%
HK$93,127
baseline
▲ 0.50% · 4.625%
HK$98,793
+HK$5,666/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,254/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,489
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,104
−HK$2,652/mo
Today · 4.125%
HK$102,756
baseline
▲ 0.50% · 4.625%
HK$108,173
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,512/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,669
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,174
−HK$3,560/mo
Today · 4.125%
HK$119,734
baseline
▲ 0.50% · 4.625%
HK$127,020
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,468/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,343
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,705
−HK$3,410/mo
Today · 4.125%
HK$132,115
baseline
▲ 0.50% · 4.625%
HK$139,079
+HK$6,964/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,230/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,642 · Scale 2, in force from 26 Feb 2026)