LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,107
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,962/mo
Today · 4.125%
HK$66,001
baseline
▲ 0.50% · 4.625%
HK$70,017
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,002/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,093
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,946
−HK$1,880/mo
Today · 4.125%
HK$72,826
baseline
▲ 0.50% · 4.625%
HK$76,665
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,652/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,528
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,846
−HK$2,356/mo
Today · 4.125%
HK$79,202
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,819/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,404/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,912
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,135
−HK$2,256/mo
Today · 4.125%
HK$87,391
baseline
▲ 0.50% · 4.625%
HK$91,998
+HK$4,607/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,782/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,949
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,654
−HK$2,748/mo
Today · 4.125%
HK$92,402
baseline
▲ 0.50% · 4.625%
HK$98,024
+HK$5,622/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,804/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,730
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,325
−HK$2,631/mo
Today · 4.125%
HK$101,956
baseline
▲ 0.50% · 4.625%
HK$107,331
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,912/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,792
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$115,269
−HK$3,533/mo
Today · 4.125%
HK$118,802
baseline
▲ 0.50% · 4.625%
HK$126,031
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,604/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,368
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,703
−HK$3,384/mo
Today · 4.125%
HK$131,087
baseline
▲ 0.50% · 4.625%
HK$137,997
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,174/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,561 · Scale 2, in force from 26 Feb 2026)