LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,599
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,546
−HK$1,978/mo
Today · 4.125%
HK$66,524
baseline
▲ 0.50% · 4.625%
HK$70,572
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,048/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,640
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,508
−HK$1,895/mo
Today · 4.125%
HK$73,403
baseline
▲ 0.50% · 4.625%
HK$77,272
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,806/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,118
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,455
−HK$2,374/mo
Today · 4.125%
HK$79,829
baseline
▲ 0.50% · 4.625%
HK$84,686
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,658/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,568
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,810
−HK$2,273/mo
Today · 4.125%
HK$88,083
baseline
▲ 0.50% · 4.625%
HK$92,726
+HK$4,643/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,166/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,638
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,364
−HK$2,770/mo
Today · 4.125%
HK$93,134
baseline
▲ 0.50% · 4.625%
HK$98,801
+HK$5,667/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,268/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,496
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,111
−HK$2,653/mo
Today · 4.125%
HK$102,764
baseline
▲ 0.50% · 4.625%
HK$108,181
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,528/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,678
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,182
−HK$3,561/mo
Today · 4.125%
HK$119,743
baseline
▲ 0.50% · 4.625%
HK$127,029
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,486/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,353
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,714
−HK$3,411/mo
Today · 4.125%
HK$132,125
baseline
▲ 0.50% · 4.625%
HK$139,089
+HK$6,964/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,250/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,729 · Scale 2, in force from 26 Feb 2026)