LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,064
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,995
−HK$1,961/mo
Today · 4.125%
HK$65,956
baseline
▲ 0.50% · 4.625%
HK$69,970
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,912/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,046
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,898
−HK$1,878/mo
Today · 4.125%
HK$72,776
baseline
▲ 0.50% · 4.625%
HK$76,612
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,552/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,477
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,794
−HK$2,354/mo
Today · 4.125%
HK$79,148
baseline
▲ 0.50% · 4.625%
HK$83,964
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,296/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,855
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,077
−HK$2,255/mo
Today · 4.125%
HK$87,332
baseline
▲ 0.50% · 4.625%
HK$91,935
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,664/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,890
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,593
−HK$2,746/mo
Today · 4.125%
HK$92,339
baseline
▲ 0.50% · 4.625%
HK$97,957
+HK$5,618/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,678/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,664
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,257
−HK$2,630/mo
Today · 4.125%
HK$101,887
baseline
▲ 0.50% · 4.625%
HK$107,257
+HK$5,370/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,774/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,716
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,191
−HK$3,530/mo
Today · 4.125%
HK$118,721
baseline
▲ 0.50% · 4.625%
HK$125,945
+HK$7,224/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,442/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,283
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,616
−HK$3,381/mo
Today · 4.125%
HK$130,997
baseline
▲ 0.50% · 4.625%
HK$137,902
+HK$6,905/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$261,994/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,771 · Scale 2, in force from 26 Feb 2026)