LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,995
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,924
−HK$1,959/mo
Today · 4.125%
HK$65,883
baseline
▲ 0.50% · 4.625%
HK$69,892
+HK$4,009/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,766/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,969
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$1,876/mo
Today · 4.125%
HK$72,695
baseline
▲ 0.50% · 4.625%
HK$76,527
+HK$3,832/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,390/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,394
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,708
−HK$2,351/mo
Today · 4.125%
HK$79,059
baseline
▲ 0.50% · 4.625%
HK$83,870
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,118/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,763
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,983
−HK$2,251/mo
Today · 4.125%
HK$87,234
baseline
▲ 0.50% · 4.625%
HK$91,833
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,468/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,793
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,493
−HK$2,743/mo
Today · 4.125%
HK$92,236
baseline
▲ 0.50% · 4.625%
HK$97,848
+HK$5,612/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,472/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,557
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,146
−HK$2,627/mo
Today · 4.125%
HK$101,773
baseline
▲ 0.50% · 4.625%
HK$107,138
+HK$5,365/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,546/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,591
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,063
−HK$3,526/mo
Today · 4.125%
HK$118,589
baseline
▲ 0.50% · 4.625%
HK$125,805
+HK$7,216/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,178/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,144
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,474
−HK$3,378/mo
Today · 4.125%
HK$130,852
baseline
▲ 0.50% · 4.625%
HK$137,749
+HK$6,897/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,704/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,484 · Scale 2, in force from 26 Feb 2026)