LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,637
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,585
−HK$1,980/mo
Today · 4.125%
HK$66,565
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$4,050/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,130/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,683
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,552
−HK$1,896/mo
Today · 4.125%
HK$73,448
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$3,871/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,896/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,164
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,502
−HK$2,376/mo
Today · 4.125%
HK$79,878
baseline
▲ 0.50% · 4.625%
HK$84,738
+HK$4,860/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,756/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,620
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,862
−HK$2,275/mo
Today · 4.125%
HK$88,137
baseline
▲ 0.50% · 4.625%
HK$92,783
+HK$4,646/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,274/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,692
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,420
−HK$2,771/mo
Today · 4.125%
HK$93,191
baseline
▲ 0.50% · 4.625%
HK$98,861
+HK$5,670/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,382/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,556
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,173
−HK$2,654/mo
Today · 4.125%
HK$102,827
baseline
▲ 0.50% · 4.625%
HK$108,247
+HK$5,420/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,654/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,747
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,254
−HK$3,563/mo
Today · 4.125%
HK$119,817
baseline
▲ 0.50% · 4.625%
HK$127,107
+HK$7,290/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,634/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,430
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,794
−HK$3,412/mo
Today · 4.125%
HK$132,206
baseline
▲ 0.50% · 4.625%
HK$139,175
+HK$6,969/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,412/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,446 · Scale 2, in force from 26 Feb 2026)