LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,963
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,958/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,855
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,933
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,782
−HK$1,875/mo
Today · 4.125%
HK$72,657
baseline
▲ 0.50% · 4.625%
HK$76,487
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,314/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,355
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,668
−HK$2,350/mo
Today · 4.125%
HK$79,018
baseline
▲ 0.50% · 4.625%
HK$83,826
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,036/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,720
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,938
−HK$2,251/mo
Today · 4.125%
HK$87,189
baseline
▲ 0.50% · 4.625%
HK$91,784
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,378/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,748
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,446
−HK$2,742/mo
Today · 4.125%
HK$92,188
baseline
▲ 0.50% · 4.625%
HK$97,797
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,376/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,506
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,094
−HK$2,626/mo
Today · 4.125%
HK$101,720
baseline
▲ 0.50% · 4.625%
HK$107,082
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,440/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,533
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,002
−HK$3,525/mo
Today · 4.125%
HK$118,527
baseline
▲ 0.50% · 4.625%
HK$125,739
+HK$7,212/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,054/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,079
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,407
−HK$3,376/mo
Today · 4.125%
HK$130,783
baseline
▲ 0.50% · 4.625%
HK$137,677
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,566/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,878 · Scale 2, in force from 26 Feb 2026)