LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,951
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,878
−HK$1,958/mo
Today · 4.125%
HK$65,836
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,672/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,920
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$1,875/mo
Today · 4.125%
HK$72,643
baseline
▲ 0.50% · 4.625%
HK$76,472
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,286/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,341
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,653
−HK$2,350/mo
Today · 4.125%
HK$79,003
baseline
▲ 0.50% · 4.625%
HK$83,810
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,006/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,704
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,922
−HK$2,250/mo
Today · 4.125%
HK$87,172
baseline
▲ 0.50% · 4.625%
HK$91,767
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,344/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,731
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,429
−HK$2,741/mo
Today · 4.125%
HK$92,170
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,340/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,487
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,075
−HK$2,625/mo
Today · 4.125%
HK$101,700
baseline
▲ 0.50% · 4.625%
HK$107,061
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,400/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,511
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,980
−HK$3,524/mo
Today · 4.125%
HK$118,504
baseline
▲ 0.50% · 4.625%
HK$125,715
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,008/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,055
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,382
−HK$3,376/mo
Today · 4.125%
HK$130,758
baseline
▲ 0.50% · 4.625%
HK$137,650
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,516/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,654 · Scale 2, in force from 26 Feb 2026)