LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,603
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,551
−HK$1,978/mo
Today · 4.125%
HK$66,529
baseline
▲ 0.50% · 4.625%
HK$70,577
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,058/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,646
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,514
−HK$1,894/mo
Today · 4.125%
HK$73,408
baseline
▲ 0.50% · 4.625%
HK$77,278
+HK$3,870/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,816/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,124
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,461
−HK$2,374/mo
Today · 4.125%
HK$79,835
baseline
▲ 0.50% · 4.625%
HK$84,693
+HK$4,858/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,670/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,575
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,816
−HK$2,274/mo
Today · 4.125%
HK$88,090
baseline
▲ 0.50% · 4.625%
HK$92,734
+HK$4,644/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,180/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,645
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,371
−HK$2,770/mo
Today · 4.125%
HK$93,141
baseline
▲ 0.50% · 4.625%
HK$98,808
+HK$5,667/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,282/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,504
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,119
−HK$2,653/mo
Today · 4.125%
HK$102,772
baseline
▲ 0.50% · 4.625%
HK$108,189
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,544/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,686
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,191
−HK$3,562/mo
Today · 4.125%
HK$119,753
baseline
▲ 0.50% · 4.625%
HK$127,039
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,506/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,362
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,724
−HK$3,411/mo
Today · 4.125%
HK$132,135
baseline
▲ 0.50% · 4.625%
HK$139,100
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,270/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,820 · Scale 2, in force from 26 Feb 2026)