LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,663
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,980/mo
Today · 4.125%
HK$66,592
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$4,052/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,184/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,711
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,581
−HK$1,897/mo
Today · 4.125%
HK$73,478
baseline
▲ 0.50% · 4.625%
HK$77,351
+HK$3,873/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,956/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,195
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,534
−HK$2,376/mo
Today · 4.125%
HK$79,910
baseline
▲ 0.50% · 4.625%
HK$84,773
+HK$4,863/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,820/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,654
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,897
−HK$2,276/mo
Today · 4.125%
HK$88,173
baseline
▲ 0.50% · 4.625%
HK$92,821
+HK$4,648/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,346/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,728
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,456
−HK$2,773/mo
Today · 4.125%
HK$93,229
baseline
▲ 0.50% · 4.625%
HK$98,902
+HK$5,673/mo
Deposit HK$8.24M · loan HK$19.24M · min. income ≈ HK$186,458/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,596
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,213
−HK$2,656/mo
Today · 4.125%
HK$102,869
baseline
▲ 0.50% · 4.625%
HK$108,291
+HK$5,422/mo
Deposit HK$8.24M · loan HK$19.24M · min. income ≈ HK$205,738/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,793
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,301
−HK$3,565/mo
Today · 4.125%
HK$119,866
baseline
▲ 0.50% · 4.625%
HK$127,159
+HK$7,293/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,732/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,481
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$128,846
−HK$3,414/mo
Today · 4.125%
HK$132,260
baseline
▲ 0.50% · 4.625%
HK$139,231
+HK$6,971/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,520/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,920 · Scale 2, in force from 26 Feb 2026)