LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,061
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,992
−HK$1,961/mo
Today · 4.125%
HK$65,953
baseline
▲ 0.50% · 4.625%
HK$69,966
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,906/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,043
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,894
−HK$1,879/mo
Today · 4.125%
HK$72,773
baseline
▲ 0.50% · 4.625%
HK$76,609
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,546/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,474
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,790
−HK$2,354/mo
Today · 4.125%
HK$79,144
baseline
▲ 0.50% · 4.625%
HK$83,959
+HK$4,815/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,288/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,851
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,073
−HK$2,254/mo
Today · 4.125%
HK$87,327
baseline
▲ 0.50% · 4.625%
HK$91,930
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,654/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,886
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,588
−HK$2,746/mo
Today · 4.125%
HK$92,334
baseline
▲ 0.50% · 4.625%
HK$97,953
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,668/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,660
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,252
−HK$2,630/mo
Today · 4.125%
HK$101,882
baseline
▲ 0.50% · 4.625%
HK$107,252
+HK$5,370/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,764/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,710
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$115,185
−HK$3,531/mo
Today · 4.125%
HK$118,716
baseline
▲ 0.50% · 4.625%
HK$125,939
+HK$7,223/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,432/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,277
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,610
−HK$3,381/mo
Today · 4.125%
HK$130,991
baseline
▲ 0.50% · 4.625%
HK$137,896
+HK$6,905/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$261,982/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,714 · Scale 2, in force from 26 Feb 2026)