LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,604
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,551
−HK$1,979/mo
Today · 4.125%
HK$66,530
baseline
▲ 0.50% · 4.625%
HK$70,578
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,060/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,646
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,514
−HK$1,895/mo
Today · 4.125%
HK$73,409
baseline
▲ 0.50% · 4.625%
HK$77,278
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,818/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,125
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,461
−HK$2,375/mo
Today · 4.125%
HK$79,836
baseline
▲ 0.50% · 4.625%
HK$84,693
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,672/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,575
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,817
−HK$2,274/mo
Today · 4.125%
HK$88,091
baseline
▲ 0.50% · 4.625%
HK$92,734
+HK$4,643/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,182/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,645
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,372
−HK$2,769/mo
Today · 4.125%
HK$93,141
baseline
▲ 0.50% · 4.625%
HK$98,809
+HK$5,668/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$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,505
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,120
−HK$2,652/mo
Today · 4.125%
HK$102,772
baseline
▲ 0.50% · 4.625%
HK$108,190
+HK$5,418/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$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,687
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,192
−HK$3,561/mo
Today · 4.125%
HK$119,753
baseline
▲ 0.50% · 4.625%
HK$127,040
+HK$7,287/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$1,166,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,363
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,725
−HK$3,411/mo
Today · 4.125%
HK$132,136
baseline
▲ 0.50% · 4.625%
HK$139,101
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,272/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,826 · Scale 2, in force from 26 Feb 2026)