LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,107
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,963/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$70,018
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,094
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,947
−HK$1,880/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$76,666
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,529
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,847
−HK$2,355/mo
Today · 4.125%
HK$79,202
baseline
▲ 0.50% · 4.625%
HK$84,022
+HK$4,820/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$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,913
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,136
−HK$2,256/mo
Today · 4.125%
HK$87,392
baseline
▲ 0.50% · 4.625%
HK$91,999
+HK$4,607/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,784/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,950
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,655
−HK$2,748/mo
Today · 4.125%
HK$92,403
baseline
▲ 0.50% · 4.625%
HK$98,025
+HK$5,622/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,806/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,731
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,326
−HK$2,631/mo
Today · 4.125%
HK$101,957
baseline
▲ 0.50% · 4.625%
HK$107,332
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,914/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,793
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,271
−HK$3,533/mo
Today · 4.125%
HK$118,804
baseline
▲ 0.50% · 4.625%
HK$126,033
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,608/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,369
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,704
−HK$3,384/mo
Today · 4.125%
HK$131,088
baseline
▲ 0.50% · 4.625%
HK$137,998
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,176/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,573 · Scale 2, in force from 26 Feb 2026)