LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,975
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,902
−HK$1,959/mo
Today · 4.125%
HK$65,861
baseline
▲ 0.50% · 4.625%
HK$69,868
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,722/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,946
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,795
−HK$1,876/mo
Today · 4.125%
HK$72,671
baseline
▲ 0.50% · 4.625%
HK$76,502
+HK$3,831/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,342/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,369
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,683
−HK$2,350/mo
Today · 4.125%
HK$79,033
baseline
▲ 0.50% · 4.625%
HK$83,842
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,066/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,735
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,954
−HK$2,251/mo
Today · 4.125%
HK$87,205
baseline
▲ 0.50% · 4.625%
HK$91,802
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,410/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,764
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,463
−HK$2,742/mo
Today · 4.125%
HK$92,205
baseline
▲ 0.50% · 4.625%
HK$97,816
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$184,410/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,524
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,113
−HK$2,626/mo
Today · 4.125%
HK$101,739
baseline
▲ 0.50% · 4.625%
HK$107,102
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$203,478/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,554
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,024
−HK$3,526/mo
Today · 4.125%
HK$118,550
baseline
▲ 0.50% · 4.625%
HK$125,763
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,100/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,103
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,431
−HK$3,377/mo
Today · 4.125%
HK$130,808
baseline
▲ 0.50% · 4.625%
HK$137,703
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,616/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,098 · Scale 2, in force from 26 Feb 2026)