LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,947
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,874
−HK$1,957/mo
Today · 4.125%
HK$65,831
baseline
▲ 0.50% · 4.625%
HK$69,837
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,662/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,915
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,764
−HK$1,875/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$76,467
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,336
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,648
−HK$2,350/mo
Today · 4.125%
HK$78,998
baseline
▲ 0.50% · 4.625%
HK$83,805
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,996/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,698
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,916
−HK$2,250/mo
Today · 4.125%
HK$87,166
baseline
▲ 0.50% · 4.625%
HK$91,761
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,332/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,726
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,423
−HK$2,741/mo
Today · 4.125%
HK$92,164
baseline
▲ 0.50% · 4.625%
HK$97,772
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,328/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,481
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,069
−HK$2,625/mo
Today · 4.125%
HK$101,694
baseline
▲ 0.50% · 4.625%
HK$107,054
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,388/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,504
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,973
−HK$3,524/mo
Today · 4.125%
HK$118,497
baseline
▲ 0.50% · 4.625%
HK$125,707
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,994/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,047
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,374
−HK$3,375/mo
Today · 4.125%
HK$130,749
baseline
▲ 0.50% · 4.625%
HK$137,641
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,498/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,582 · Scale 2, in force from 26 Feb 2026)