LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,022
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,951
−HK$1,960/mo
Today · 4.125%
HK$65,911
baseline
▲ 0.50% · 4.625%
HK$69,921
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,822/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,998
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,849
−HK$1,877/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$76,560
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,452/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,426
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,741
−HK$2,352/mo
Today · 4.125%
HK$79,093
baseline
▲ 0.50% · 4.625%
HK$83,906
+HK$4,813/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,186/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,798
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,019
−HK$2,252/mo
Today · 4.125%
HK$87,271
baseline
▲ 0.50% · 4.625%
HK$91,872
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,542/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,830
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,531
−HK$2,744/mo
Today · 4.125%
HK$92,275
baseline
▲ 0.50% · 4.625%
HK$97,890
+HK$5,615/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,550/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,598
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,188
−HK$2,629/mo
Today · 4.125%
HK$101,817
baseline
▲ 0.50% · 4.625%
HK$107,184
+HK$5,367/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,634/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,639
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,112
−HK$3,528/mo
Today · 4.125%
HK$118,640
baseline
▲ 0.50% · 4.625%
HK$125,859
+HK$7,219/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,280/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,197
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,528
−HK$3,379/mo
Today · 4.125%
HK$130,907
baseline
▲ 0.50% · 4.625%
HK$137,807
+HK$6,900/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,814/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,975 · Scale 2, in force from 26 Feb 2026)