LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,965
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,893
−HK$1,958/mo
Today · 4.125%
HK$65,851
baseline
▲ 0.50% · 4.625%
HK$69,858
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,702/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,936
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,784
−HK$1,876/mo
Today · 4.125%
HK$72,660
baseline
▲ 0.50% · 4.625%
HK$76,490
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,320/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,358
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,671
−HK$2,350/mo
Today · 4.125%
HK$79,021
baseline
▲ 0.50% · 4.625%
HK$83,829
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,042/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,723
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,941
−HK$2,251/mo
Today · 4.125%
HK$87,192
baseline
▲ 0.50% · 4.625%
HK$91,788
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,384/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,751
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,450
−HK$2,741/mo
Today · 4.125%
HK$92,191
baseline
▲ 0.50% · 4.625%
HK$97,801
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,382/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,510
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,098
−HK$2,626/mo
Today · 4.125%
HK$101,724
baseline
▲ 0.50% · 4.625%
HK$107,086
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,448/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,537
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,007
−HK$3,524/mo
Today · 4.125%
HK$118,531
baseline
▲ 0.50% · 4.625%
HK$125,744
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,062/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,084
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,412
−HK$3,376/mo
Today · 4.125%
HK$130,788
baseline
▲ 0.50% · 4.625%
HK$137,682
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,576/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,921 · Scale 2, in force from 26 Feb 2026)