LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,964
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,891
−HK$1,958/mo
Today · 4.125%
HK$65,849
baseline
▲ 0.50% · 4.625%
HK$69,856
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,698/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,934
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,783
−HK$1,875/mo
Today · 4.125%
HK$72,658
baseline
▲ 0.50% · 4.625%
HK$76,488
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,316/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,356
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,669
−HK$2,350/mo
Today · 4.125%
HK$79,019
baseline
▲ 0.50% · 4.625%
HK$83,827
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,038/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,721
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,939
−HK$2,251/mo
Today · 4.125%
HK$87,190
baseline
▲ 0.50% · 4.625%
HK$91,786
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,380/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,749
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,448
−HK$2,741/mo
Today · 4.125%
HK$92,189
baseline
▲ 0.50% · 4.625%
HK$97,799
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,378/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,508
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,096
−HK$2,626/mo
Today · 4.125%
HK$101,722
baseline
▲ 0.50% · 4.625%
HK$107,084
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,444/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,535
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,004
−HK$3,525/mo
Today · 4.125%
HK$118,529
baseline
▲ 0.50% · 4.625%
HK$125,741
+HK$7,212/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,058/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,081
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,409
−HK$3,376/mo
Today · 4.125%
HK$130,785
baseline
▲ 0.50% · 4.625%
HK$137,679
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,570/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,896 · Scale 2, in force from 26 Feb 2026)