LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,066
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,996
−HK$1,962/mo
Today · 4.125%
HK$65,958
baseline
▲ 0.50% · 4.625%
HK$69,971
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,916/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,047
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,899
−HK$1,879/mo
Today · 4.125%
HK$72,778
baseline
▲ 0.50% · 4.625%
HK$76,614
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,556/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,353/mo
Today · 4.125%
HK$79,149
baseline
▲ 0.50% · 4.625%
HK$83,965
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,298/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,857
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,079
−HK$2,254/mo
Today · 4.125%
HK$87,333
baseline
▲ 0.50% · 4.625%
HK$91,937
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,666/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,892
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,595
−HK$2,746/mo
Today · 4.125%
HK$92,341
baseline
▲ 0.50% · 4.625%
HK$97,960
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,682/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,666
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,259
−HK$2,630/mo
Today · 4.125%
HK$101,889
baseline
▲ 0.50% · 4.625%
HK$107,260
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,778/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,718
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$115,193
−HK$3,531/mo
Today · 4.125%
HK$118,724
baseline
▲ 0.50% · 4.625%
HK$125,948
+HK$7,224/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,448/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,285
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,619
−HK$3,381/mo
Today · 4.125%
HK$131,000
baseline
▲ 0.50% · 4.625%
HK$137,905
+HK$6,905/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,000/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,796 · Scale 2, in force from 26 Feb 2026)