LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,624
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,572
−HK$1,979/mo
Today · 4.125%
HK$66,551
baseline
▲ 0.50% · 4.625%
HK$70,600
+HK$4,049/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,102/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,668
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,537
−HK$1,895/mo
Today · 4.125%
HK$73,432
baseline
▲ 0.50% · 4.625%
HK$77,303
+HK$3,871/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,864/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,148
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,486
−HK$2,375/mo
Today · 4.125%
HK$79,861
baseline
▲ 0.50% · 4.625%
HK$84,720
+HK$4,859/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,722/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,602
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,844
−HK$2,275/mo
Today · 4.125%
HK$88,119
baseline
▲ 0.50% · 4.625%
HK$92,763
+HK$4,644/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,238/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,673
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,400
−HK$2,771/mo
Today · 4.125%
HK$93,171
baseline
▲ 0.50% · 4.625%
HK$98,840
+HK$5,669/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,342/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,535
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,151
−HK$2,654/mo
Today · 4.125%
HK$102,805
baseline
▲ 0.50% · 4.625%
HK$108,224
+HK$5,419/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,610/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,723
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,229
−HK$3,562/mo
Today · 4.125%
HK$119,791
baseline
▲ 0.50% · 4.625%
HK$127,080
+HK$7,289/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,582/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,403
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,766
−HK$3,412/mo
Today · 4.125%
HK$132,178
baseline
▲ 0.50% · 4.625%
HK$139,145
+HK$6,967/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,356/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,196 · Scale 2, in force from 26 Feb 2026)