LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,597
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,544
−HK$1,978/mo
Today · 4.125%
HK$66,522
baseline
▲ 0.50% · 4.625%
HK$70,570
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,044/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,638
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,506
−HK$1,895/mo
Today · 4.125%
HK$73,401
baseline
▲ 0.50% · 4.625%
HK$77,270
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,802/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,116
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,453
−HK$2,374/mo
Today · 4.125%
HK$79,827
baseline
▲ 0.50% · 4.625%
HK$84,684
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,654/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,566
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,807
−HK$2,274/mo
Today · 4.125%
HK$88,081
baseline
▲ 0.50% · 4.625%
HK$92,724
+HK$4,643/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,162/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,636
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,362
−HK$2,769/mo
Today · 4.125%
HK$93,131
baseline
▲ 0.50% · 4.625%
HK$98,798
+HK$5,667/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,262/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,494
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,108
−HK$2,653/mo
Today · 4.125%
HK$102,761
baseline
▲ 0.50% · 4.625%
HK$108,178
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,522/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,674
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,179
−HK$3,561/mo
Today · 4.125%
HK$119,740
baseline
▲ 0.50% · 4.625%
HK$127,026
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,480/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,349
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,711
−HK$3,410/mo
Today · 4.125%
HK$132,121
baseline
▲ 0.50% · 4.625%
HK$139,086
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,242/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,696 · Scale 2, in force from 26 Feb 2026)