LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,013
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,942
−HK$1,960/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,912
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,804/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,989
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,839
−HK$1,877/mo
Today · 4.125%
HK$72,716
baseline
▲ 0.50% · 4.625%
HK$76,549
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,432/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,416
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,731
−HK$2,351/mo
Today · 4.125%
HK$79,082
baseline
▲ 0.50% · 4.625%
HK$83,894
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,164/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,787
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,007
−HK$2,253/mo
Today · 4.125%
HK$87,260
baseline
▲ 0.50% · 4.625%
HK$91,859
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,520/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,818
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,519
−HK$2,744/mo
Today · 4.125%
HK$92,263
baseline
▲ 0.50% · 4.625%
HK$97,877
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,526/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,585
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,175
−HK$2,628/mo
Today · 4.125%
HK$101,803
baseline
▲ 0.50% · 4.625%
HK$107,169
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,606/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,624
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,096
−HK$3,527/mo
Today · 4.125%
HK$118,623
baseline
▲ 0.50% · 4.625%
HK$125,841
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,246/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,180
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,511
−HK$3,378/mo
Today · 4.125%
HK$130,889
baseline
▲ 0.50% · 4.625%
HK$137,789
+HK$6,900/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,778/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,818 · Scale 2, in force from 26 Feb 2026)