LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,075
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$64,005
−HK$1,962/mo
Today · 4.125%
HK$65,967
baseline
▲ 0.50% · 4.625%
HK$69,981
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,934/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,057
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,909
−HK$1,879/mo
Today · 4.125%
HK$72,788
baseline
▲ 0.50% · 4.625%
HK$76,625
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,576/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,489
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,807
−HK$2,354/mo
Today · 4.125%
HK$79,161
baseline
▲ 0.50% · 4.625%
HK$83,977
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,322/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,869
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,091
−HK$2,255/mo
Today · 4.125%
HK$87,346
baseline
▲ 0.50% · 4.625%
HK$91,950
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,692/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,904
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,608
−HK$2,746/mo
Today · 4.125%
HK$92,354
baseline
▲ 0.50% · 4.625%
HK$97,974
+HK$5,620/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,708/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,680
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,273
−HK$2,631/mo
Today · 4.125%
HK$101,904
baseline
▲ 0.50% · 4.625%
HK$107,275
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,808/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,734
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,210
−HK$3,531/mo
Today · 4.125%
HK$118,741
baseline
▲ 0.50% · 4.625%
HK$125,966
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,482/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,303
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,637
−HK$3,382/mo
Today · 4.125%
HK$131,019
baseline
▲ 0.50% · 4.625%
HK$137,925
+HK$6,906/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,038/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,962 · Scale 2, in force from 26 Feb 2026)