LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,967
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,894
−HK$1,959/mo
Today · 4.125%
HK$65,853
baseline
▲ 0.50% · 4.625%
HK$69,860
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,706/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,938
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,786
−HK$1,876/mo
Today · 4.125%
HK$72,662
baseline
▲ 0.50% · 4.625%
HK$76,492
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,324/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,360
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,673
−HK$2,350/mo
Today · 4.125%
HK$79,023
baseline
▲ 0.50% · 4.625%
HK$83,832
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,046/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,725
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,944
−HK$2,251/mo
Today · 4.125%
HK$87,195
baseline
▲ 0.50% · 4.625%
HK$91,791
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,390/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,754
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,452
−HK$2,742/mo
Today · 4.125%
HK$92,194
baseline
▲ 0.50% · 4.625%
HK$97,804
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,388/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,513
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,101
−HK$2,626/mo
Today · 4.125%
HK$101,727
baseline
▲ 0.50% · 4.625%
HK$107,089
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,454/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,540
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,010
−HK$3,525/mo
Today · 4.125%
HK$118,535
baseline
▲ 0.50% · 4.625%
HK$125,748
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,070/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,088
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,416
−HK$3,376/mo
Today · 4.125%
HK$130,792
baseline
▲ 0.50% · 4.625%
HK$137,686
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,584/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,956 · Scale 2, in force from 26 Feb 2026)