LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,957
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,884
−HK$1,958/mo
Today · 4.125%
HK$65,842
baseline
▲ 0.50% · 4.625%
HK$69,849
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,684/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,927
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,775
−HK$1,876/mo
Today · 4.125%
HK$72,651
baseline
▲ 0.50% · 4.625%
HK$76,480
+HK$3,829/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,302/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,349
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,661
−HK$2,350/mo
Today · 4.125%
HK$79,011
baseline
▲ 0.50% · 4.625%
HK$83,819
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,022/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,712
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,930
−HK$2,251/mo
Today · 4.125%
HK$87,181
baseline
▲ 0.50% · 4.625%
HK$91,776
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,362/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,740
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,438
−HK$2,741/mo
Today · 4.125%
HK$92,179
baseline
▲ 0.50% · 4.625%
HK$97,788
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,358/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,497
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,085
−HK$2,626/mo
Today · 4.125%
HK$101,711
baseline
▲ 0.50% · 4.625%
HK$107,072
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,422/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,523
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,992
−HK$3,524/mo
Today · 4.125%
HK$118,516
baseline
▲ 0.50% · 4.625%
HK$125,728
+HK$7,212/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,032/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,068
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,396
−HK$3,375/mo
Today · 4.125%
HK$130,771
baseline
▲ 0.50% · 4.625%
HK$137,664
+HK$6,893/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,542/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,774 · Scale 2, in force from 26 Feb 2026)