LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,023
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,952
−HK$1,960/mo
Today · 4.125%
HK$65,912
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$4,011/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,824/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,000
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,850
−HK$1,877/mo
Today · 4.125%
HK$72,727
baseline
▲ 0.50% · 4.625%
HK$76,561
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,454/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,427
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,742
−HK$2,352/mo
Today · 4.125%
HK$79,094
baseline
▲ 0.50% · 4.625%
HK$83,907
+HK$4,813/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,188/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,799
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,020
−HK$2,253/mo
Today · 4.125%
HK$87,273
baseline
▲ 0.50% · 4.625%
HK$91,873
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,546/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,832
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,533
−HK$2,744/mo
Today · 4.125%
HK$92,277
baseline
▲ 0.50% · 4.625%
HK$97,892
+HK$5,615/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,554/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,599
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,190
−HK$2,628/mo
Today · 4.125%
HK$101,818
baseline
▲ 0.50% · 4.625%
HK$107,185
+HK$5,367/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,636/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,641
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,113
−HK$3,529/mo
Today · 4.125%
HK$118,642
baseline
▲ 0.50% · 4.625%
HK$125,861
+HK$7,219/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,284/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,199
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,530
−HK$3,379/mo
Today · 4.125%
HK$130,909
baseline
▲ 0.50% · 4.625%
HK$137,810
+HK$6,901/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,818/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,994 · Scale 2, in force from 26 Feb 2026)